First Acceptance Renewal Confusion
I’m classified as high risk and opted for First Acceptance because it fits my budget. I was planning to wait an additional three months for an accident to fall off my record so I could qualify for better insurance. My policy is set to renew on March 11, and I intended to make my payment tomorrow.
When I opened the envelope, however, I noticed it states the payment due date is February 25. Typically, they request payment by the first of the month, allowing until the 11th to avoid cancellation, so that’s what I expected. Instead, it says if I don’t pay by the specified due date, my policy will cancel on February 25. Can they really do that? The notice clearly indicates that the renewal begins on March 11, and my current insurance card shows coverage through that date.
It sounds like you’re in a frustrating situation with your insurance renewal. Typically, insurance companies will send out renewal notices that outline the payment terms, but it’s important that those terms match what you’ve understood from past communications.
From what you’re describing, it seems there might be a discrepancy between the renewal notice and your current policy. Here are a few steps you can take:
Contact Customer Service: Reach out to First Acceptance’s customer service as soon as possible. Explain your situation and ask for clarification on the due date. They can often provide insights or rectify any misunderstandings.
Review Your Policy: Take a close look at your current policy documents, especially the renewal terms. There might be specific language that outlines the payment due dates and consequences for late payments.
Document Everything: Keep records of any correspondence you have with the insurance company, including dates and names of representatives you speak with. This way, if there is any dispute later, you have a clear record.
Consider Your Options: If it turns out that the due date is indeed 2/25, weigh your options for paying on time or looking for alternative coverage, if possible.
Seek Help: If you feel that your issue isn’t being addressed fairly, consider reaching out to your state’s insurance department for guidance.
It’s essential to clarify this before the due date to prevent any lapse in coverage. Hope you get it sorted out soon!