Car Insurance Costs
General Insurance

If I've been paying for an SR-22 that I didn't actually need, will the car insurance company pay me back?

Sorry to hear about your situation. Chances are, you can get reimbursed if the SR-22 is deemed to have been unnecessary.

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Coverage & Claims

If I have gap insurance and totaled my car, but there is no gap between insurance payment and remaining loan balance, do I get a refund?

Not all gap insurance is written in the same manner, so you may have to refer to your insurer to get more information. From my understanding, if you pay off the loan and didn't use gap insurance to do so, they will probably refund some premiums paid back to you.

Car Insurance Costs

I canceled my insurance after two weeks. Am I owed a refund?

You should be able to get your payment back, providing that you check with your insurance company to see if there are any fee disclosures. I would contact them and see what they can do to rectify the situation. If you have any questions, don't hesitate to ask.

Coverage & Claims

Can an insurance company recant liability and ask for a refund one month after paying me for damages to my vehicle?

I have not heard of a claim decision being reversed and asking for the claims payout money back. They should be providing you with evidence of why they are refusing to pay the claim — if you haven't asked for this already, you should demand it.

General Insurance

Can force-placed auto insurance be removed/refunded from a loan? If so, to what extent?

Yes, you should be reimbursed if you were actively insured during that time. I would call the carrier you had and make sure the lien info is listed correctly, and then obtain all declarations and a letter of experience.

Coverage & Claims

What happens to the rest of future premium if policyholder dies?

The estate should get a refund on the prorated premium that was paid for before the policy canceled. You will need to contact the insurance company right away to cancel the policy.

Car Insurance Costs
Coverage & Claims

Can I get a refund for premiums I was forced to pay after accident?

Unfortunately, I do not have any experience with this matter. It does seem like a major oversight on part of Liberty Mutual.

General Insurance

Why won't my car insurance company give me a refund?

Every car insurance company is different and has different guidelines so I can't speak to what your companies policy on refunds are specifically. Typically if you cancel your policy within days of starting it, you would receive some form of a refund.

Renters Insurance

Can I get a refund if I was double insured

This has more to do with company-specific guidelines. While some companies will prevent you from seeking full reimbursement for canceling a policy within 90 days, others will not if you can show proof of other insurance.

General Insurance

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 policies fees within the first month so your refund can vary depending on which company you're with.

Insurance Companies

Can Esurance deny a refund if I forgot to cancel my policy when I switched to a new company?

This sounds like an company issue and not a state law. Insurance companies in Illinois are legally required to issue refunds for "unearned premium", but you didn't prepay your bill.
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