Question

Why am I still being charged for a totaled vehicle?

I was in an accident. The car was insured and the adjuster said it was totaled. Why do they continue to bill me my monthly premium of $312? I have paid them $1200 since the accident. Shouldn't they offer a lower premium for no owner insurance, even though I never drive?

May 3, 2018 Austin, TX

Answer
Ava Lynch

May 3, 2018

It sounds like the totaled vehicle is the only vehicle on your car insurance policy, which means it would cancel the policy to remove it. I would call your insurance company and speak to a customer service representative or agent. They might be able to backdate the cancellation to the accident date and get you a refund. If your current car insurance company offers it, they could quote you for a non-owners policy.

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