Ask an Agent

Have a question? We're here to help.

Question

My insurance company has been insuring the wrong car for 3 years

My insurance company has been insuring the wrong car, I have been paying insurance for my old car which I haven't owned now for 3 yrs. Am I entitled to my money back, as my policy should be for my new car, which they were informed of. I have letters stating they have changed this but 3 years later and it's still my old car policy but more expensive. What are my rights?

Jan 15, 2019 Arlington, VA

Answer

By Ava Lynch

Updated August 13, 2024

If you have proof that the car was supposed to be changed three years ago, you should be able to get some kind of compensation. Ultimately, it is up to the insurance company on how they handle billing and policy disputes. You will need to contact your insurance company directly for your policy specific information. If you do not agree with what they say you can always seek legal advice. Good luck and if you have any questions, don't hesitate to ask.

Ask an Agent

Have a question? We're here to help.

Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Does a vehicle need car insurance if its in storage in Virginia?

In Virginia, if a vehicle is not registered, parked on private property, and not being driven, then it does not need to be insured. Virginia law does require that a vehicle be insured before it is registered, so you'll want to keep in mind if it starts getting used for more than just storage, …

Aug 31, 2016 Dumfries, VA

Is it mandatory to list my adult child on my policy?

Thanks for reaching out to The Zebra!This is actually a common concern for families. Insurance companies generally require that any person in the household be listed on your policy regardless of driving status. The reason is that the company wants to know who they will and will not cover as a drive…

Aug 18, 2022 Groveton, NH

Do I have to list my disabled spouse on my Virginia auto policy?

Most, if not all, insurance companies require that any household members of driving age be listed on your policy. In most states, however, you have the option to exclude household members so they don't impact your rate and are not insured under your policy. In the event that an excluded driver…

Aug 13, 2017 Fairfax, VA

If I cancel a policy less than 24 hours after starting it, will I get a refund?

The state of Florida requires that insurance companies refund at least 90% of the unearned premium paid by a customer if they receive a request to cancel. There are instances where a company may include the policy's fees within the first month so your refund can vary depending on which company…

Jul 3, 2017 Fort Lauderdale, FL

Browse All Questions Ask a Question