I have car insurance with Farm Bureau and was paying $275 a month since February. I had a car accident in November, but my rates didn’t change until I got a new car in February. The rate actually dropped from $283 to $275 at that time. But starting in July, they suddenly started charging me $482 with no explanation or warning. I haven’t been able to reach an agent. Does anyone know what I should do?
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They’ve just applied the surcharge from your accident. You can look for other insurance companies, but be sure to disclose the accident.
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Your “No Warning” was actually anticipated well in advance when you filed the claim.
I don’t think there was any warning. You might want to reread what you wrote. Did you consider asking your agent?
Even if you don’t report your accident, they’ll find it through a loss history report and still see the claim from November.
You can shop around, but with the current economy, inflation, and the large-scale losses impacting insurers’ reserves, you might find that your current premiums are comparable to those from other providers.
A more accurate wording would be: “I overlooked the documents I received, and now I’m surprised by the rate increase.”
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They only sent me receipts for my payments, and I’ve reviewed each one.
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They did notify you. They can’t change your rate without doing so, as it’s required by law.
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Of course, that’s why it’s an issue that they didn’t inform me.
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It’s evident that reading isn’t your strongest skill.
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Why are you so sure that I’m wrong? You don’t check my mail or my email, so how would you know what they’ve sent me?
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I hear customers say this all the time, and nearly all of the time; 99.9%; they are mistaken and overlook everything that’s been sent to them.
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Dude, it’s not a big deal. If it bothers you, just ignore the post. I don’t know what happened to you, but you’re coming off as a jerk.
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It’s not that complicated. You were the one who insisted they didn’t send the documents when they definitely did.
You should have received your renewal notice or packet 45 to 60 days prior to the effective date of the new policy term, along with a billing statement indicating that your new amount due is $482, which would have been sent about 30 days before it was due or scheduled for automatic withdrawal from your account. They have records showing that these documents were sent or emailed to you. I understand that not every piece of mail arrives, but they will have evidence that it was sent.
It’s troubling that you’re not getting a return call from your agent. It may be time to explore other options.
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Everything they send me by mail is also available in my account summary. I check my mail daily and my email several times a day. I’ve reviewed every document in my account summary, and there’s no mention of any increase in my rates.
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Did you get a renewal packet or mailing? They definitely sent you something before your policy was renewed.
You were given a heads-up. You renew in February and August. The renewal paperwork you receive about a month before your renewal date includes your new rate, which likely accounts for the surcharge from the accident. Additionally, your monthly bill shows your updated rate.
You can compare options to see if you can find a better rate. No one here can determine whether you’ll find a better deal or not.
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They send me monthly bills, of course, but they have never sent me renewal paperwork.
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I’m sorry, but I can’t accept that. They are legally obligated to send those out. It’s hard to believe that they’ve never sent one at any point. I recommend giving them a call; I’m sure they can provide records showing that they did send it.