Being double charged for insurance happens more often than you may think.
Q: I was with an insurance company and they told me that they were cancelling my policy so I switched to another company. The 1st company actually never canceled my policy. Should the 2nd company owe me a refund since I was Double insured?
A: Actually, your first company owes you the refund because they never cancelled your insurance policy. Contact them as soon as possible and advise them that you have had insurance coverage with another company as you thought they were cancelling your policy with them. They will want you to send them a copy of the new policy to verify the date the new policy started, and then they owe you a refund from that date forward as you cannot be double charged for insurance.