I got a letter from the insurance company saying I owe money. It is my ex- girlfriend's debt. What should I?
The burden of proof is on the insurance company. If they cannot prove you had a contract with them they have no claim. Regardless to whether or not they have your information, you owe them nothing unless they can prove it. Anybody can get information on individuals to make it sound legitimate. Collectors use any scare tactics they can to get people to pay. Scare tactics work for people who don't know their rights and this is what they count on. I would suggest writing a letter to them demanding proof and give them at least 10 days to provide it. Tell them if they do not provide the proof within that time frame and continue to harass you, let them know you will file a lawsuit for harassment. Companies hate the word "harassment" and they tend to shy away if they feel the individual is serious. Also, if this happened back in 2004 and they didn't resolve the problem within a year, the statute of limitations has run out. They have one year to discover any accounting errors and to notify the other party. If not within that one year time frame, that's their problem. On another note, I cannot understand how you would owe for car insurance. I'm no expert on property and casualty insurance, but from my experience, car insurance is usually paid in advance or on a monthly basis. If the payment is not made, the insurance company cancels the policy. In doing so, they have lost nothing. I don't know of any insurance company that will allow you to be insured if the payment has not been made. I can guarantee you if you were one day late in making a payment beyond the grace period and had an accident a day after the payment was due, they would deny the claim.
Does getting an Unemployment Insurance Award mean I am getting an unemployment check?
The "Notice of Unemployment Insurance Award" tells you how much you will get if you get anything. This means that you at least worked enough quarters and earned enough money. The telephone interview is to determine something else, such as why you are not currently employed. You may or may not receive a check. Ask during the telephone interview. Unless they need to verify something later, they may be able to tell you.
HELP!!!! Insurance company saying I owe money after a car accident that happened 2 years ago! What do I do?
Call your insurance company - or, more accurately, whomever your insurance company was at the time. Most companies will settle with the other parties for a written release that releases you and your insurance company for any additional money. It sounds like there was an "excess issue." Meaning you didn't buy enough coverage from the insurance company to cover all the damage you caused. Your company's ultimate goal is to settle with the other parties within your limits to protect you from this exact situation but it's not always possible. If your company has a signed release from the party that's seeking this additional money, which is what should have happened when your insurance company settled with them, then you ask your insurance company for a copy of it and wave it in the face of whomever is seeking additional money from you, they can't get another penny out of you. But, if there's no signed release, you're screwed and you're on the hook for every penny. If that's the case you should talk to an attorney. If you didn't know this could happen you may be able to have a suit against your insurance company for "bad faith." That's a very big deal in the insurance world, attorneys will take the case for free as you could not only get out of that $82,000, but you could actually get tens of thousands from your insurance company because of their mistakes. To answer your last question, your credit is already tanked because of the collection account that they're seeking. If you find out you're not responsible for it by any of the means I talked about earlier then you need to work on getting that fixed too.
Can you get a new car insurance policy if you owe another insurance company money?
My old insurance company just cancelled my insurance because I was 3 days late on the payment and are demanding that I pay the past due, the late fee, and two months advance and there is no way in hell I can afford that right now and I was just wondering if you can still get car insurance with a different company if you owe one money already?
What is the cancellation fee for Geico auto insurance if I terminate my policy early?
Geico does NOT have a cancellation fee if you decide to terminate your auto insurance policy early.Geico offers pro-rate refunds if you cancel your policy in between billing cycles.For example, if I paid for my 12 month insurance policy in one lump-sum payment and then cancelled my policy after 5 months, I would be refunded my premiums payments for the remaining 7 months.Another example, If I already paid my premium for the month of August, but cancel my policy on August 10th, I would receive a refund for the number of days that remain in the billing cycle.Of course, any refunds will include any fees or financial terms outlined in your policy.Some companies give short-rate penalties for early cancellation. These are not entire refunds, but percentages of them.Short-rate penalties discourage drivers from cancelling policies early.Geico does NOT allow you to cancel your policy online.You must cancel your policy by mail or over the phone.If you wish to cancel your policy by mail, you should send a letter of intent 30 days prior to the date you wish to have your policy cancelled.To find the correct mailing address, you can go to Geico’s Mailing Addresses page, select “Auto Insurance” as the category, and then select your state from the drop down menu.You will be given 3 different addresses. Send your cancellation letter to the correspondence address.In your cancellation letter, be sure to include:Proof that you’ve surrendered or transferred your plates ORA bill of sale ORProof you’ve changed insurance companiesYour policy numberYour full name and addressIf you wish to cancel your Geico policy over the phone, it will be immediate.Call Geico’s customer assistance line at 1-800-861-8380.When prompted to speak to the automated teller, say “cancel insurance policy” and then “auto.”You will then be asked to read your account number, so have that ready.For your cancellation phone call, be sure to have:Proof of new insurance ORProof of plate forfeiture ORProof of saleWhether you cancel by mail or over the phone, be sure to ask to be sent a cancellation confirmation number that you can use in case you are sent any further bills.Be sure to cancel your Geico insurance policy ONLY when you have a new insurance policy. That way you will not be driving without coverage, which is illegal in almost every state except for New Hampshire and Virginia.To learn more about the penalties of driving uninsured, feel free to check out this article.
How do you write an authorization letter to claim money?
How do you write an authorization letter to claim money?An Authorization letter to claim money is written by a person that wishes to authorize another person to claim money on his or her behalf. Depending on the amount of money, and where the money has to be picked up, you could use a simple authorization letter template to collect the money.If you want a simple authorization letter to claim documents, check this one: Free Authorization Letter To Claim Money Template. If you wish to write your own letter, than make sure that the letter at least contains specific information regarding details, such as:amount of money,currency,date of collection,passport name of the person,period of authorization,etc.In order to let someone else claim the money, it's important that you provide enough evidence of your identity, in combination with a signature from yourself.This ready-made authorization letter template is well suited if you need someone else to claim money on your behalf. This way, you can quickly modify the text and make it a personal authorization claim letter.Source: Free Authorization Letter To Claim Money Template or other Authorization Letter To Claim Templates
Do I receive money back if I cancel auto insurance?
You will receive money back.But, how much of a refund depends on your auto insurance company and if you cancelled in between billing cycles, also known as a mid-term cancellation.When it comes to refunds for early cancellation, insurance companies can be pro-rated or short-rated.Pro-rated companies give you a refund if you cancel your auto insurance policy in between billing cycles.For example, if I paid for my 12 month insurance policy in one lump-sum and then cancelled my policy after 5 months, I would be refunded my premium payments for the remaining 7 months.Another example, If I already paid my premium for the month of August, but cancel my policy on August 10th, I would receive a refund for the number of days that remain in the billing cycle.Some companies give short-rate refunds for early cancellation, which included penalty fees.So, these are not entire refunds, but percentages of them. The company will usually keep 10% of your full refund.Short-rate discourages drivers from cancelling policies early.Even pro-rated refunds will include fees or financial terms outlined in your policy.Some companies charge anywhere from $50-65 for cancellation fees.You should only cancel your auto insurance policy once you have another policy lined up with a new company OR if you no longer plan to drive.To learn more about the cost of driving uninsured, feel free to read The Penalties of Driving without Insurance.
How can I write a letter to cancel an insurance policy?
Insurance Policy Cancellation Letter Writing Tips:• Go through the policy carefully to know the correct procedure for cancellation.• Mention clearly that you would like to discontinue the payment of premiums and want to cancel the existing policy.• You should state that the charges regarding premium payments should be stopped with immediate effect.• Mention your policy number clearly so that it will be easier for tracking your previous payment records.• It is better if you find out the name of the connected authority so that the letter can be directly addressed to the concerned person.Hence, these are insurance policy cancellation letter writing tips.If you need additional help or more examples, check out the sample letter below.I hope this will help you. Good Luck!!!References: Insurance Policy Administration Services| Outsource Policy ManagementSave Big by Outsourcing Insurance Policy Management Services
Do I get any money back if I cancel my Allstate home renters insurance?
Regardless of the insurance company, any type of policy can be cancelled. Normally, with a call to your insurance company and your signature on the required paperwork.Once the company receives your signed cancellation request listing the date that you would like the policy to end, your unused premium will be refunded to you on what is called a pro-rata basis. Meaning that you will only be charged a premium for the days that the policy was in force. Some companies may charge a penalty if the policy is cancelled within the first 60 days. So, yes, you will get any money back that you are owed.A couple other things to keep in mind. Most companies will not go back more than 30 days on a cancellation request. If you are requesting a backdated cancellation of more than 30 days, the company will either require proof that you secured other insurance on that date or may refuse to backdate the cancellation all together. In some instances, the policy will be cancelled on the date of request (your fist contact with the insurance company).
How do I cancel Primerica life insurance policy?
I was briefly a Primerica rep about 2 years ago. While I was a rep, I purchased a Primerica Life Insurance policy at their suggestion. About 6 months later I quit. I still have the policy. Now it seems like a complete waste of money. It is $37 per month, and I really have no need for life insurance. I am a bachelor, and nobody depends on my income. I called the Primerica number, and the recording said to cancel a policy, send them a letter in the mail requesting cancellation with the policy number. That seems awfully vague. Is there anything else I need to put on the letter? Do I need to send the letter certified mail so they can't say, "We never received it," and keep charging me every month? Dumb questions. Sorry.