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Car Insurance Not Needed

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 03/29/2016

Q: – DUE TO ILLNESSES I THOUGHT MY EFT PAYMENT WAS CANCELLED BY CARETAKER BUT IT WAS NOT I DID NOT KNOW THE EFT PAYMENTS WERE NOT CANCELLED ON A SITTING CAR UNUSED CAR UNREGISTERED SITTING CAR ….HADNT BEEN DRIVEN IN YEARS ….ITS MY MOTHERS CAR SITTING IN YARD.
ALSO HAD LICENSE SUSPENDED DURING THIS TIME – SO WAS INSURANCE PREMIUMS NON EARNED BY CARRIER – CAN I GET REFUND IF CAR WAS NOT ON ROAD ETC PLEASE ADVISE ..DO I NEED TO GET LAWYER NOW THAT I FOUND OUT INSURANCE WAS NOT CANCELLED BY CARETAKER ON NON-WORKING CAR? NON-DRIVING REGISTERED CAR THANKS

A: It is unlikely that you will be able to get your premiums back as the insurance company will tell you that it was your responsibility to verify that your insurance payments were cancelled and to cancel your insurance policy if you no longer needed the insurance. I know that you were sick, but the company is going to tell you that they still provided coverage for that vehicle and that if it was in an accident or damaged at the time they would have had a responsibility to cover it.

However, with all that being said the rules and regulations are different in each state and there may be a law that allows you to get your money back if you can prove that you did not have your license at the time and that the vehicle was not registered.. The best way to find out is to contact your insurance company.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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