Mariah B asked:
Can you resume your auto insurance policy one it was canceled? ok it was canceled 5 months ago I wasn’t using the car so I didn’t need insurance at a moment. Now I am planning on using the car again. Can I just call them and ask them to send me a monthly fee and get insurance resumed or do I need to go to insurance place and talk to Insurance sales agent and pay $200 finders fee again? I don’t want to pay those fees again. Is there a way to resume my insurance without those extra fees. I am a California resident.
Can you resume your auto insurance policy one it was canceled? ok it was canceled 5 months ago I wasn’t using the car so I didn’t need insurance at a moment. Now I am planning on using the car again. Can I just call them and ask them to send me a monthly fee and get insurance resumed or do I need to go to insurance place and talk to Insurance sales agent and pay $200 finders fee again? I don’t want to pay those fees again. Is there a way to resume my insurance without those extra fees. I am a California resident.
{ 5 comments… read them below or add one }
You were probably canceled due to ‘non-payment’. This occurs the very second your “unearned premium reserve” us used up.
Most insurers simply reinstate the policy when premium dollars are received and your policy is reactivated.
Five months is a long time, but you might try simply paying an old bill and see what happens.
Worst case scenario is that they will refund the money and you’ll be no better or worse off for giving it a try.
Best case scenario is that they will run your MVR (motor vehicle record) to see if anything has changed and reinstate your policy as if nothing happened.
If they do reinstate you, they’ll probably send you a letter letting you know that your coverage will not be continuous. In other words, they won’t extend coverage for losses that occurred from the time your UPR ran out until the time they received new premium dollars.
For car insurance the obvious way to get a great rate is do a rate comparison on car policies. Make sure that you compare similar policies with the same limits, car type, zip code, etc so that all things are an accurate comparison.
What I always recommend is an online comparison quote at since they have discount insurers and will give multiple quotes on car insurance polices.
shoul dbeable to just cal them and ask to start again shouldnt have to pay any fees and if you was payng a finders fee i think maybe they was taking your money
There are tons of places where you can get an online quote. It only takes less than 10 minutes to do.
You will have to start a new policy with a new application. You should call around and get another agent. The $200 finders fee is excessive. Our agency used to charge a fee of $20 for new assigned risk policies ONLY because of the large amount of paperwork, low commission and high cancellation rate. We would never charge that on any other policy. Pick up the phone book & call other agents. Call someone that has a list of companies they represent under their name. When you call ask if they charge a finders fee. If they do, call someone else. I was under the impression that “finders” fees are limited. Call the CA Dept of Insurance to find out if they are limited in CA.
I’ve found some good information here too…
Hope that helps.