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Auto Insurance Question from San Buenaventura, California
Answer given on April 15, 2019
While this mistake was costing you additional premium, you, as the policyholder, are expected to review your policy when it is issued or when there is a change in cars. The insurance company and/or insurance agent should have also confirmed the correct vehicle, and usually the VIN of the car will indicate what model it is. You should confirm that the VIN is correct on the policy. If it is not correct, get that fixed immediately.
Most insurance companies will work with the customer when this happens. 30 days is the norm for backdating, but you should try to speak to a supervisor or manager to see if they will go back further. It is unlikely they will go back the full time, since there has been at least one renewal of the policy, and it is expected that the policyholder will review the policy at that time. However, you may be able to get additional compensation for a few more months.
NOTE: The IMPORTANT NOTICE below is a part of this answer!
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