I switched companies in December 2016. I kept getting auto billed every month on the 20th from Esurance (I did not notice — my oversight). When I requested a refund because I was insured with two companies at the same time, they told me, “Unfortunately in the sate of Illinois we are only able to backdate the cancellation 30 days from your call.” Verbatim from their email. I provided my new policy paperwork showing the start date of 12/23 with the new company showing I was never without insurance. Is this a state law?