1 /5 Bo Yang: They will charge you even if you do not renew with them. I had my home insurance with them for a couple year, before they increased the premium by over 30% in 2024, so I decided not to renew with them. To my astonishment, they still charge me for the policy I do not want to renew (yes, I emailed them to let them know that I am not renewing with that high premium), and now they are trying to make me pay by using collection service. Please keep this in mind.
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Looks like I cannot reply to Holly directly, so I will just reply here:
> It is the law that we cannot cancel insurance without a specific request.
I had many insurance policies expired in the past and I never experienced this. It is the law that you shall not charge a service you have not provided, and your just did. Further, the renewal notice I have received clearly stated to "offer continued coverage for you contingent upon payment toward the premium as stated below." Isnt "contingent" means that if I do not pay, the coverage would not continue?
> You never sent my agency a request to cancel before your renewal. If you did, I requested that you send a copy to me but you never responded.
I did email and let them know that "... with large premium increase in the past a couple years, I am considering a change." I am clearly indicating that I am walking away with that high premium, and the response I got "I am able to let you know that Farmers is not an organization that will lower their rates because you found a cheaper option elsewhere." My reading to this is, "go with the cheaper option, I dont care about your business".
> You didnt cancel the policy and instead let it lapse
Wow, now you admit the policy got cancelled? But on a different date than my policy expiration date? Isnt you just said it is the law that you cannot cancel it? And any evidence I was still insured during the period?
> and FARMERS INSURANCE charged you for the time you were insured.
Oh, you are saying you are not from " FARMERS INSURANC"? And you put that FARMERS INSURANCE logo on your business? Impressive!
> You are not alone.
You mean you have been charging other people like this for some time already?
> My staff and I do our very best to help in any way possible.
I didnt expect you to charge me to help me, when I didnt ask for it.
