jackson1628
01-20-2003, 08:28 PM
this is a really long story. but i really would like to get some HELP, please!!
I was paying $7k+ insurance last yr. b/c i only had the G1 license. My policy started on Aug 28, 2001, I paid $4k for the 1st 6 months (expired on Feb 28, 2002) and $3k for the next 6 months (expired aug 28, 2002), price was lowered cuz i got the G2. Prior Aug 28th, 2002 my original agent got transfer to another branch and a new agent took over my account. When i renew my policy on Aug 28, 2002, i specifically told the new agent several times that i am going to pay for the full 12 months basis policy instead of the 6 months basis. He said ok, fine, and total $4110 for 1 full yr. I trusted him, since i am inexperiance w/ insurance stuffs and let him do all the paper works and i didn't double check b4 i paid .
On friday night I was cleaning my drawer, took out the policy and had a look, and i found out it expired on Feb 28th, 2003 stated at the corner (WHICH IS A 6 MONTHS POLICY)!!! I immediately sent an email to my agent, and called him on Sat morning. On the phone he said "yeah, it should be a full yr policy, let me check w/ the headoffice on monday morning...."
Today, i recieved an email from him, he said, "Sorry for not having this info available for you on Saturday.I checked your policy and from the offset you have been on a 6 month policy.The last payment that you made was for a 6 month policy.I apologize for the confusion but I verified this with our underwriting and it is correct.".
I called him right away, and he said he hadn't heard of anything about changing from 6 months basis to 12 months basis from me.... and the price he gave me is for 6 months only.
Before i renew this policy, i was thinkin of changing insurance company which offered me $3800 for 1 full yr 12 months basis, the new agent from Allstate persuaded me to stay w/ Allstate to accumulate discount in the future, and i thought "ok, only 2 hundreds more, why not?" then i stayed w/ Allstate. The agent admits he remember this conversation w/ me. But he refuses to admit that he told me $4110 is for full yr. and he said i did not tell him anything about the change in payment from 6 months basis to 12 months basis.
It is impossible that i am paying $8k+ for 1 yr.! for a honda?? and it's a really a basic plan w/ $1 million & $1k deductable. I have no crash record, and no ticket, except the one i recieved on sat nite last week. I have checked w/ TD bank they gave me a quote of $4886 for 1 full yr policy w/ $2 million, and $300 deductable.
I know i am stupid in the first place , i didn't double check all the papers b4 i made the payment. Now, i feel totally helpless, 1st i got this ticket on sat nite, now i got this insurance matter. i know i am stupid, i should have checked b4 i pay.
i know you guys might be laughing while reading this, i know i am stupid, and i've learned my lesson. I know there is nothing i can do about it. I don't know what i am saying now, i am so lost.
I was paying $7k+ insurance last yr. b/c i only had the G1 license. My policy started on Aug 28, 2001, I paid $4k for the 1st 6 months (expired on Feb 28, 2002) and $3k for the next 6 months (expired aug 28, 2002), price was lowered cuz i got the G2. Prior Aug 28th, 2002 my original agent got transfer to another branch and a new agent took over my account. When i renew my policy on Aug 28, 2002, i specifically told the new agent several times that i am going to pay for the full 12 months basis policy instead of the 6 months basis. He said ok, fine, and total $4110 for 1 full yr. I trusted him, since i am inexperiance w/ insurance stuffs and let him do all the paper works and i didn't double check b4 i paid .
On friday night I was cleaning my drawer, took out the policy and had a look, and i found out it expired on Feb 28th, 2003 stated at the corner (WHICH IS A 6 MONTHS POLICY)!!! I immediately sent an email to my agent, and called him on Sat morning. On the phone he said "yeah, it should be a full yr policy, let me check w/ the headoffice on monday morning...."
Today, i recieved an email from him, he said, "Sorry for not having this info available for you on Saturday.I checked your policy and from the offset you have been on a 6 month policy.The last payment that you made was for a 6 month policy.I apologize for the confusion but I verified this with our underwriting and it is correct.".
I called him right away, and he said he hadn't heard of anything about changing from 6 months basis to 12 months basis from me.... and the price he gave me is for 6 months only.
Before i renew this policy, i was thinkin of changing insurance company which offered me $3800 for 1 full yr 12 months basis, the new agent from Allstate persuaded me to stay w/ Allstate to accumulate discount in the future, and i thought "ok, only 2 hundreds more, why not?" then i stayed w/ Allstate. The agent admits he remember this conversation w/ me. But he refuses to admit that he told me $4110 is for full yr. and he said i did not tell him anything about the change in payment from 6 months basis to 12 months basis.
It is impossible that i am paying $8k+ for 1 yr.! for a honda?? and it's a really a basic plan w/ $1 million & $1k deductable. I have no crash record, and no ticket, except the one i recieved on sat nite last week. I have checked w/ TD bank they gave me a quote of $4886 for 1 full yr policy w/ $2 million, and $300 deductable.
I know i am stupid in the first place , i didn't double check all the papers b4 i made the payment. Now, i feel totally helpless, 1st i got this ticket on sat nite, now i got this insurance matter. i know i am stupid, i should have checked b4 i pay.
i know you guys might be laughing while reading this, i know i am stupid, and i've learned my lesson. I know there is nothing i can do about it. I don't know what i am saying now, i am so lost.