I had something similar happen many moons ago. I had lost my job and knew I would not be able to make my monthly insurance payments. So, I called the insurance company and talked with an agent. I told them my info, my policy number and the date I wanted to cancel on. She recorded all the information and we concluded the conversation. This was my first policy so I had no clue I was supposed to do anything else. Apparently, In order to officially cancel an insurance policy with the company at the time, I had to do it in writing. I did not know this nor did the agent on the phone tell me this was something that needed to be done. So two weeks goes by and they try to withdraw the money from my account ( I was setup for payments each month). With no money, the payment bounced. My bank called me right away to notify me and I called the insurance company right away. That is when I found out I was supposed to cancel in writing and that my policy was not actually canceled from the phone conversation a week or two before. The agent on the phone did not tell me this. Serious. So I rectified the situation by driving to the insurance company with a note that exact moment. Not even 1 day late on my payment and the insurance company put a 'missed payment' on my history, charged me 50$ fee and told me I needed to make the "missed" payment or they would cancel my policy. Keep in mind I just canceled it with the written notice like a day prior. So I jump through hoops for them to understand the situation and they assured me the policy was canceled BUT, next month, the payment tries coming out again. To which the bank does not call me and the insurance company is left trying to withdraw the money 3 different times and then canceling my "policy" (a policy that was already canceled in writing). So my bank then calls me again telling me I owe them 60$ for 3 bounced payment attempts for the insurance. That is when I realized they didn't actually cancel my policy (even tho it was in writing now). So the 3rd phone call to the insurance company finally got them to understand that I wanted the policy cancelled but they now had the 'cancelled policy' on my record. Nothing I could do to change it. I did everything short of taking them to court but never could get it removed. It cost me 1000's of dollars because of that first agents mistake. I paid dearly for that. If you can, fix it right away. don't bother trying to talk to them because all the insurance companies wants is your money anyway they can take it.
