pathosrising@aol.com (Pathos Rising) wrote in message news:<20040207183401.22937.00001812@mb-m04.aol.com>...
I paid my insurance late, sent it through the mail. Today there was a fire in
the kitchen, and today in the mail I got a refund check of the insurance
premium saying they were returning my money because payment was received after
the fact. I had no idea they'd cancelled the account since they took my
payment. Legally, am i screwed? I mean, they took my payment, they cashed my
check. Can they be made to pay? I haven't contacted them yet about the fire. is
there anything I can do?
Insurance law varies from state to state. Some states provide that a
policy cannot be cancelled by an insurer unless it takes a number of
very specific steps. It's possible your insurer did not take those
steps, assuming your state requires them.
Document everything very carefully. Consult a lawyer if you can. I
would not advise waiting very long before reporting the fire. You
could violate the reporting requirements of your policy by waiting.
