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pigwona OP t1_j6kzy3e wrote

Reply to comment by Werewolfdad in How to dispute renters insurance? by pigwona

I only talked to her briefly today so I don't have all the details but it sounds like she tried to ensure she went through the process to have it cancelled and re-iterated the question that she wouldn't be charged in the future. Also something about having got a plan that wouldn't auto renew. What questions should I ask her to see if she went through the proper steps?

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Werewolfdad t1_j6l09qd wrote

“Did you call the insurance carrier and ask to cancel your renters insurance?”

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pigwona OP t1_j6l15e5 wrote

She logged into her account to check and the account doesn't exist anymore which sound like she canceled it?

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Werewolfdad t1_j6l1h7u wrote

And she was charged each of the last four months?

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pigwona OP t1_j6l22op wrote

I'm starting to think it was longer than 4 months ago because it might have been a 6 month lumpsum payment. She checked with whoever it is that the insurance is through at the beginning of the month and was told she would not be getting charged again. She talked about it before kinda worried it would happen anyway. Sorry I don't have much experience with this as I never rented in a contracted way. I've rented but for an internship at a company guys house with other interns and we venmo'd him.

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Werewolfdad t1_j6l2c9m wrote

I think you need to figure out the timing better

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pigwona OP t1_j6l3q0p wrote

Called her. I was a bit way off. She moved out in march 2022. Paid a 1 year lumpsum in January 2022 even though she moved out March 2022(things changed) and was told it would not be auto charged by the renters insurance company. She called again early this January and was told then it wouldn't charge. She admitted to not actually canceling but was under impression it would kinda end on its own I guess. She also found an email saying her policy was canceled in April 2022 so she thinks she canceled then.

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Werewolfdad t1_j6l40p3 wrote

> She admitted to not actually canceling

Ahh, so we have the truth.

She can call and cancel and get a pro-rated refund.

She should have called and cancelled in March 2022 and gotten a pro-rated refund

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pigwona OP t1_j6l46cp wrote

Sorry I edited the reply. You response was fast which is appreciated. Please see the add about email confirming policy cancelation.

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Werewolfdad t1_j6l4bud wrote

If that is the case, it may be worth a complaint to the CA department of insurance to see about a refund for this year and a pro-rated refund for last year

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pigwona OP t1_j6l4p6v wrote

Ok we'll roll with that and see if she missed something or if it's on them. Thank you for all the info!

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