Eligibility

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

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.

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General Insurance

Insurer refuses to give me my money back

I would try calling back again. It could be that the agent you spoke with was misinformed.
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