Insurance Cancellation: What Can I Do?
My wife’s auto insurance policy has been cancelled due to two minor accidents she had in the past six years. Both incidents resulted in minimal damage to the vehicles and no injuries. The insurance company notified us that the cancellation was due to these two “losses,” even though we never filed any claims. What options do we have moving forward?
I’m sorry to hear about your situation. Here are some options you can consider:
Contact the Insurer: Reach out to your wife’s insurance company to discuss the cancellation. Ask for clarification on their decision, especially since no claims were made. Sometimes, companies can provide reconsideration.
Shop Around: Look for other auto insurance providers. Different companies have varying underwriting criteria, and some may be more lenient regarding minor accidents. Get quotes and compare coverage options.
Request a Review: If you believe the cancellation is unfair, consider asking the insurance company for a review of her driving record and circumstances surrounding the accidents. You may present a case, especially since there were no claims or serious damages.
Consider a Different Type of Coverage: If you’re having trouble finding a standard policy, explore non-standard insurers that specialize in drivers with accidents in their history.
Check for Errors: Ensure that there are no mistakes in her driving record or the insurer’s records that might have contributed to the cancellation. Obtain a copy of her driving record if necessary.
Get a Passenger Vehicle Policy: Exploring a policy that caters specifically to vehicles with fewer mileage or those primarily used for personal/family use may be beneficial.
Participate in Defensive Driving Courses: Some insurance companies offer discounts or may view drivers more favorably if they have completed a defensive driving course.
Insurance Broker: Consider consulting an insurance broker who can guide you through options tailored to your specific circumstances and history.
Each option has its pros and cons, so weigh them carefully and choose the one that best fits your needs. Good luck!