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How can my old insurance company send me a reimbursment check after I canceled my policy then turn me in to collections?

Before you ask , yes I AM trying to reach someone at AM FAM insurance but what do you think of this situation? I purhcased a 6 month policy in January 2014 and paied in full. When my bill came due in July, BEFORE it was due I shopped around, found a cheaper rate and so I cancled my old policy. Since I cancled it 2 weeks before it was due, they sent me a reimbursemnt of like $25. Now it's 3 months later and out of the blue I get a letter from COLLECTIONS on their behalf saying I owed them $90? Ok why send ME money if I owed them? And HOW could I owe them for something I CANCELLED before a payment was even due!/

   








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Roughly how much will my car insurance cost?
Im nearly 19 and Im looking to do my test and get a car as soon as I have the money. I would probably be getting a 2nd hand car within the 750 - 1,500 range, probably something simple what most get for their first car such as a corsa, punto, focus, clio etc. I can afford the car and the lessons, one thing I dont really know about is the insurance. I know it will be different whoever you go with but can you give me just a rough idea of how much Im looking at? I was hoping that it would be as cheap as 20/week (1,000/year). Thanks."


Kawasaki ninja zx6r insurance for a 16 year old?
how much would insurance be for a 16 year old on a zx6r? please don't answer telling me it's a bad idea to ride this bike at 16, i simply want a price range. I did a progressive online quote and basic insurance was only $35 a month. does this seem too cheap, or no?"


Cheap uk car insurance for a learner driver ? any good companies ??
question for pps in uk my husband just bought a little fiat punto got a provisional licence and wants 2 learn to drive in it we new to all this any idea what kind of cover he needs and any good not 2 expensive companies to try for insurance , hes 44 so not a young lad who wants to race about , he has a brother in law and m8 who both have full clean license who have offered to put the L plates on and take him out at weekends on a quite road to get some experience as well as having driving lessons too when he knows the basics , but we looked on nhet at diffrent insurance companies and they all so diffrent as anyone got any experience of whos the best company or comapnies to try thank you also whats diff with any driver or 1 driver and theres 3rd party etc , like i say we really are all new 2 this any info will be well appreciated thank you"


"I have a NJ DUI, How much will my insurance go up?"
I got a dui in NJ, no accident involved, how much will my insurance go up per month, if i pay 168 per month now? I would like some personal examples, etc."


"I need help w/ having a DWI, sr22's and autoinsurance?"
so i got a DWI in march of 2010. I havent had my license in over a year as penalty. but now i need my license & insurance. I have no idea what to do, where to get sr22 or whatever it is, nothing. i live on my own and i dont know what to do at all. i have no help. i used to live in california. thats where i got my DWI. but im september, i moved to oregon & thats where im currently living."


Will a DUI in MA 5 years ago affect my insurance rates in CA?
I was arrested for DUI in January 2008. This was my first and only DUI charge. I am planning to move to California later this year and I was wondering if this conviction will still affect my rates? I read something about the interstate driver's compact and about how Mass. is not a member so it might not share driving history with another state especially since so much time has passed and I have kept a clean record since then. Any info would be greatly appreciated. Thanks!


First timer buying Car Insurance?
It will be my first time buying car insurance next month and I am looking to get any advice if possible. I am in the Toronto area and I'm on a budget! What kind of things should I look out for other than price? I'm not even sure what to ask, so ANY advice is helpful -- and even more helpful if you can list some of the cheaper ones!"


Best Term Life Insurance Quotes Ownership?
My wife and I are in our 40's and 50's. We have created A/B trusts and transferred our assets to them, and expect to have estates that will benefit from the estate tax saving these trusts afford. We recently both purchased $1M 10-year renewable term life insurance policies that we expect to keep for 10 years. We chose not to use life insurance trusts because the purpose of the policies is to replace the lost income of the deceased spouse if one of us dies relatively soon, not to increase our final estate, and the trusts are somewhat costly. We each specified our own trusts as the beneficiaries, because we want the disposition of assets specified there to be used for this money. The trusts provide for the income, and principle if needed, to be paid to the spouse, and for the remainder to be paid to our child at the remaining spouses death. The question of ownership of the policies is less clear. My lawyer says that it doesn't make much difference who owns them, because the value (estate) taxed is only one year's premium, not the $1M. My accountant says that the $1M is taxed, and that each policy should be owned by the other spouse to avoid tax on that amount. A friend said that there's no way to avoid or significantly decrease the tax, so just leave the ownership as is (each spouse owns their own policy). A further fly in the ointment is that the insurance company (Massachusetts SBLI) makes some forms of trust ownership more difficult and costly. I'm confused. What ownership is the best? What is the benefit of that choice?"


Fastest accelerating car in the insurance group 1-3?
Hello, I am going to be turning 17 shortly and would like some advise on which car that would be very responsive and quick. My budget for the car itself is 1450 but there could be a bit of flexibility. As I am sure you all know, insurance for new drivers is very high, so I want something in between groups one and three as I believe that is the area that I can afford. Could I also please ask for serious answers. I am not not wanting to drive irresponsibly, if that is a worry to some contributors. Thanks."


Do you need to be insured to possess a driver's license?
If I don't have a car, do I need insurance (WA State)? I don't drive because I can't afford a car right now. I have a driver's license, however. And can't I just drive a parent's car that is insured?"


Can SSI recipients buy or have life insurance?
Can SSI recipients buy or have life insurance?


New Jersey is the only state in the country that charges insurance surcharges. If you don't live in N.J.can they continue to charge you.?
New Jersey is the only state in the country that charges insurance surcharges. If you don't live in N.J.can they continue to charge you.?


How much is liability insurance for vicious dog?
We live in Ohio. My boyfriend just got a pit-bull mix. I told him he needs the insurance. I am curious how much a month that might cost. I am trying to prepare him so he can budget wisely and to make sure he can afford to have the insurance to have this dog as well. If anyone can give me any other information I would greatly appreciate it. She gets along very well with my Boston Terrier and so far seems very intelligent.


Driving without insurance?
My mom has insurance in her name for her car. I passed my road test yesterday and got my license. Can i legally drive the car with her INSIDE of the car? I'm not listed on her insurance? If i get pulled over do i legally have insurance? What will happen?


Where can i find insurance for a barber shop?
what are the best insurance companies for barbershop insurance? where should i look?


How can my old insurance company send me a reimbursment check after I canceled my policy then turn me in to collections?
Before you ask , yes I AM trying to reach someone at AM FAM insurance but what do you think of this situation? I purhcased a 6 month policy in January 2014 and paied in full. When my bill came due in July, BEFORE it was due I shopped around, found a cheaper rate and so I cancled my old policy. Since I cancled it 2 weeks before it was due, they sent me a reimbursemnt of like $25. Now it's 3 months later and out of the blue I get a letter from COLLECTIONS on their behalf saying I owed them $90? Ok why send ME money if I owed them? And HOW could I owe them for something I CANCELLED before a payment was even due!/


Will testing positive for Tuberculosis make insurance more expensive or difficult to get?
I am wondering if a positive result on a skin PPD test will impact health insurance even if the patient does not develop an active TB infection.


What does initial debit mean in health insurance?
I got a mail for recently applying for health insurance from Blue Shield of California. It says: Your coverage (individual) is currently paid 12/12/10. Effective 01/01/11, your monthly dues/premium will automatically be debited from your account on the first of each month.Your first debit will be in the amount of $142.09 to cover the period from 12/12/10 to 02/01/11. After this initial debit, regular withdrawals of $87.00 will be made on the first of each month. Ok, so I understand I am supposed to pay $87 each month. But I don't understand the initial debit where it says I have to pay $142.09. What is that amount for? What does it mean? Why is it covering from December to February? Almost about 1 to 2 months. Is that some sort of special payment everyone has to pay for health insurance? Can someone please explain this to me? I never applied for health insurance, so I'm not familiar with how things work. Thanks."


What's the best life Insurance place to go to that's good/ Cheap with high cover but also good for a smoker?
What's the best life Insurance place to go to that's good/ Cheap with high cover but also good for a smoker?


HOW CAN HAVING LIFE INSURANCE AS A TEEN IMPACT ME?
im talkin bout life insurance


Life insurance policy.?
I am looking to buy a life insurance policy. I wanted to know what are the types of life insurance policies available.(I am 28 years old) and what are the parameters that should be considered while choosing one.Thank you.


Is it worth making a small claim on my car insurance for a headlight?
I have a protected no claims bonus. So if I claim it won't affect my ncd at all ( I assume). I'm aware I can claim with my insurance (more than) I can claim as many times as I like, the protection bonus and my ncd won't be affected. However if I were to really need to make a big claim, would my previous little claim affect it? Is there a time period my bonus protection lasts for, in other words, does each calendar year with my insurance start afresh? My headlight was smashed by a flying stone and it will cost me 140 to put right - shall I make a claim which will cost me nothing or will I pay for it in the long run with future car insurance policies?"


Can the insurance do this? Car insurance.?
I was in a wreck a few weeks ago. The lady who rear ended me has the same insurance as I do. I filed a claim and a fellow church member owns a body shop. I asked him to do the work, he agreed. But, the insurance claims that they will not give him a check until he can order the parts in advance. That is way too expensive and can they really expect him to order these up front? It makes me VERY angry that they could be so stupid and negligent to make him order them up front. He said that he does not have that money to be ordering my parts up front. Can I turn them in for this? They really are messing up."


Auto Insurance Question?
So my uncle and I have it set up so that I can drive his car. His car is registered to him and I use it as a DD and live in a different address. My question is...I got a speeding ticket. Will the point adversely affect HIS insurance? Since my name is not on it; I'm assuming the insurance premiums will not increase.


Motorcycle insurance?
progressive is quoting me at $20 a month for bare minimum coverage for a 2010 yamaha r1. I'm 18 years old and single. how is this even possible? am i reading something wrong? this price just seems absurdly low to me


Can I use my parents car insurance?
As a 17 year old, could I get car insurance under my mom's name? I can't pay $200+ a month for car insurance as a first time driver under my own name. So could I just get my mom to sign to it so I would only pay her rate at like $100 a month?"


Can I keep my driver's license for identification purposes if I don't pay for insurance and I don't drive?
Can I keep my driver's license for identification purposes if I don't pay for insurance and I don't drive?


Does school require health insurance?
I live in California, USA and my brother and I don't have health insurance. We are in middle and high school(public school). What are the disadvantages of not having health insurance?"


Should I file an auto insurance claim?
I just had an accident, and the damage to the counterparty's vehicle was $3000.00. Should I pay for this myself or should I file an auto insurance claim? My son is under 25 and was at fault in the collision."


Car totaled. No insurance.?
Car totaled. No insurance.?


What is the cheapest individual health insurance plan in California?
I am young and healthy and need a health insurance plan for myself. Essentially, I just need health insurance in case of a freak accident that will land me in a hospital. Any suggestions? The cheapest so far has been $51 a month. I don't care about deductibles or any of that. Just that it has the lowest monthly fee. Thanks!"


How can my old insurance company send me a reimbursment check after I canceled my policy then turn me in to collections?
Before you ask , yes I AM trying to reach someone at AM FAM insurance but what do you think of this situation? I purhcased a 6 month policy in January 2014 and paied in full. When my bill came due in July, BEFORE it was due I shopped around, found a cheaper rate and so I cancled my old policy. Since I cancled it 2 weeks before it was due, they sent me a reimbursemnt of like $25. Now it's 3 months later and out of the blue I get a letter from COLLECTIONS on their behalf saying I owed them $90? Ok why send ME money if I owed them? And HOW could I owe them for something I CANCELLED before a payment was even due!/


Insurance question please answer if you know?
my friends husband has colon cancer the health insurance is about to run out she is looking for morer health insurance does anyone know any health insurance that will insure him?


Camaro 69 Car Insurance...?
Ah... I just wanted to know, or get a general idea of how much car insurance would a 16 year old male pay monthly for a 69' Chevy Camaro. I am looking to get a vehicle sometime this year and wanted to know...because if the insurance would be too high, guess I will not get one then... thank you... just need a general idea...car insurance... -Chevy Camaro, muscle car, american dream...-"


How much does it cost to insure a jewelry store?
I am doing a fairly in depth project for school and I need to find out how much it costs to insure a small retail jewelry store. Obviously it depends on allot of things but for the purpose of this project I just need a rough number. Thanks!


Motorcycle insurance cost (poll and surveys)?
How much do you guys pay a month for motorcycle insurance. Put the type of motorcycle you drive and years of experience. And if I don't have a motorcycle license how much would I pay motorcycle insurance ?


International Health Insurance?
Can anyone recommend health insurance for Americans working outside the US? Some of the plans I am familiar with include AETNA Global, Clements International, and CIGNA International. Has anyone had positive experience with any of these plans, or know of other similar plans?"


How much do teens have to pay for car insurance monthly?
I'm 17 and my mom has esurance. I have a job now and so now I'm allowed to get my license. They won't give us a quote until I actually have my license but I live in Littleton, CO 80123 and I'll be driving a 1997 Subaru Legacy"


How much would car insurance be?
I'm 17 and I wanna know how much insurance is on a 1993 Jeep Wrangler before I go out and buy one. I tried to do quotes but I need to know a lot about the car but since I don't have the car, it's kinda hard. Help. Thanx"


My son wants to buy a car. Can he use my car insurance?
My son wants to buy a car but he is only listed as a household driver on my insurance policy. He is 23 years old. He lives with me in Pennsylvania. Must he have his own insurance to purchase a car?


Should I not put my husband on the car insurance???
Here is the deal... hubby got a ticket in January.... for a DWAI (first ticket ever). So our car insurance is going up. But we are getting a new car tomorrow... so I'm going to have to either find new insurance, or put the new car on our insurance and have it go up probably about $100. Should I just get insurance in my name so we can save the $? I don't think I can afford more than $70 a month for insurance! And we have to get collision because we are getting a loan...."


What kind of car insurance should I get? I am a student?
I drive a chevy tahoe that is worth about $3500. My current coverage is liability: 50/100 property damage: 50 uninsured motorist 50/100. I live in los angeles california. I pay 1000 a month for my insurance. This is not very affordable and I was wondering what I could do to pay less. I am insured by nationwide. I was thinking maybe I should drop uninsured motorist what do you guys think I should do?


Car accident with no insurance?
I hit a car in Alaska, no damage to the cars except a tiny tiny dent on the other car's back bumper that barely can be visible within 20 inches distance if a person keeps looking very good. I gave all my details to the other guy and I am legal in everything. he showed me an insurance on his phone that expired on May 2012. Because I did not pay attention, right now I just found out from the VIN # that the insurance is for a different car but in his name. So I am not sure if the car I hit was insured or not. Could I get him in trouble if he tries to abuse me later? For example if he tries to go to the hospital and cause me problems, or if he calls me wanting money, or having me fix his engines issues that I never caused, because that is what he said is going to do. If he gets insurance hours later, could that save him? or he still can be in trouble with the law?"


HIV and Life Insurance Reinstatment?
In March 2004 I purchased some term life insurance. When I moved to Washington State (from Colorado where the policy was writen) I changed my bank accounts and closed the account that my life insurance premium was automatically being paid from. My life insurance coverage lapsed (currently 120 days). In the policy contract it says you can reinstate the policy by (1) provide evidence of insurability and (2) pay all overdue premiums plus 6% interest. Now here is the BIG question.... Am I Insurable? This Jan I was diagnosed with HIV. I have health insurance paperwork signed by my doctor showing my HIV+ status and saying that I do not have AIDS. In all the life insurance medical underwriting questions it asks... in the past 10 yrs have you been (a) Diagnosed by a member of the medical profession as having Acquired Immune Deficiency Syndrome (AIDS) or AIDS-Related Complex (ARC)? (b) Treated by a member of the medical profession for AIDS or ARC? By my understanding of these two questions can answer NO to both of them. Does this mean I can go about reinstating my life insurance?


How can i find out which car insurance band my car is in?
How can i find out which car insurance band my car is in?


Where can I get insurance for an older car?
I have a 1969 VW Beetle and need cheapish insurance. Very few insurers will cover a car that old unless it is a classic"""


"Just got my drivers license, what's next? how do I get insurance? where do I go?
I'm 19 and I finally got my drivers license :P but I don't have a car. but I need insurance 1. How do I get insurance? 2. Where do I go for Insurance? 3.What do I have to take with me? I need to get a car so... 4. How much down payment do you think is good? like would 1000 do it ? I dont have money. :| 5.can I get loans? or should I get loans? Thanks 4 helping ;)


How can my old insurance company send me a reimbursment check after I canceled my policy then turn me in to collections?
Before you ask , yes I AM trying to reach someone at AM FAM insurance but what do you think of this situation? I purhcased a 6 month policy in January 2014 and paied in full. When my bill came due in July, BEFORE it was due I shopped around, found a cheaper rate and so I cancled my old policy. Since I cancled it 2 weeks before it was due, they sent me a reimbursemnt of like $25. Now it's 3 months later and out of the blue I get a letter from COLLECTIONS on their behalf saying I owed them $90? Ok why send ME money if I owed them? And HOW could I owe them for something I CANCELLED before a payment was even due!/