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insurance company obliging me to pay for the lapsed policy

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Arresto Menor
Please help, I do not know if I can file a case against my car insurance company.

In march of 2008, i sent a check for 7k (insurance renewal for march 2008-march 2009) to my car insurance company. That company was my car insurance provider for almost 10years or since the day i bought my car. I wasn't able to get the Official Receipt, knowing that it was just okay considering that i have been their customer for almost 10years already, and advised them that i'll just pick the said OR when time permits.
About 6 months later, an incident occured and my car had to undergo body repair, naturally i had to file for an insurance claim.
To my surprise, the company told me that i haven't paid the necessary insurance premium yet, and when i said that i sent a check for 7k last march2008, they insisted that the check payment was applied to my insurance premium for the previous year 2007-2008 which i failed to pay in march of 2007. It was evident in the OR they gave me later that the payment I made was indeed applied to previous year.

My question is this. Do i really have to pay for the insurance policy whose validity period has already lapsed? Can I file a case against my car insurance provider and insist that the payment I made on March2008 be credited to the march2008-march2009 policy?

Last edited by naturaltimber on Sat Feb 26, 2011 12:59 pm; edited 1 time in total (Reason for editing : editing details)

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if they actually issued a policy for 07 to 08, and considered themselves liable even if unpaid, then I would argue that they should be considered liable also for 08-09 because of a prior practice.

file a complaint first at the insurance commission.

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