Insurance companies are a bunch of crooks. They have all the control. Since auto insurance is mandatory there should be more flexibility for these kinds of circumstances.
TD Insurance cancelled on me once because my bank account was short $4 and change.
$4!! Ironically, I had a TD bank account and the only reason it was short was because I got hit with an unexpected fee from TD (different companies I know). I told them the money would be in the account the next day but they refused and told me to get lost. I was ****** because I wasn't working at the time but still making my payments diligently. But this was the third time in my history with TD that I was slightly short and they used it as an excuse to f*** me up the @$$.
So then they told me the only way to get my coverage back was to get a new quote. So I said ok what's my new quote?
'Well, since you've had a cancellation due to non-payment your monthly cost goes from $145 to $700' (or some bs number like that). I politely told them to go F themselves and signed up with Jevco for $385 /mo. Cheapest I could find for auto. The icing on this $h!t-pie is that they call it cancellation due to "non-payment" which is like being ****** on when you're down. It's not non-payment, it's a simple mistake and the insurer's refusal to accept an immediate correction. My chances of getting reasonable insurance would've been better if I had a major accident on my record instead of this (agents told me as much).
They really need to relax these BS policies and enforce them only when someone is clearly attempting to evade payment. I practically begged them to take my money and they refused. At the very least, cancellation shouldn't carry this kind of penalty amongst insurance companies.
So yea, as you can see I'm still bitter about this as well so be careful in future. Make sure your account is over funded, even if you're unemployed and broke
. Give Jevco a try (unless you're insuring a SS). Best of luck!
