My friend has car insurance with Progressive. She moved to Texas a year ago and has been living with her sister. Recently, Progressive canceled her insurance, saying they tried to contact her, but she never received any calls or emails. They claim it was canceled due to a billing issue, but she has always paid on time. They also said they didn’t have her correct address, but she received mail from them at a different address that they listed as incorrect.
Because they didn’t properly notify her, her insurance lapsed for two days. Now her rate is higher, even though she has been with them for 7 years and this issue wasn’t her fault. Do you have any advice on how to fix this problem?
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I find it hard to believe that your friend paid and still ended up with a lapse due to non-payment. 
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It’s actually a friend of mine, and I’m just trying to assist her because she’s feeling overwhelmed by the situation. That’s why I came here to see if anyone might have a solution, since, as you mentioned, it doesn’t make sense.
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It seems like your “friend” moved to Texas and updated only their mailing address, not the garaging address. Some mail was forwarded to your “friend,” but specific types of mail cannot be forwarded because it helps insurance companies detect when someone has moved without updating their information. As a result, the insurance was canceled for failing to provide proper notification.
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It was her responsibility to notice that the money wasn’t being deducted. They do notify customers; it’s required.
Now, with a lapse in coverage, her best option is to use a broker, though it will be costly for a while.
In the future, ensure that all contact information is kept up to date.
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The money was being deducted.
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It wasn’t if there were billing issues and they canceled according to your post.
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As I mentioned in my post, they claim to call it a billing issue, even though no payments were late or unpaid.
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If all payments were made on time, the policy shouldn’t have lapsed. It seems like some important details might be missing.
The insurance company only needs to prove that they sent the necessary documents, not that they were received. If your friend recently moved to a new state, that could also require a new policy, which might be contributing to the problem.
However, Progressive won’t discuss the matter with anyone other than the insured, so this group may not be able to offer much help.
Your friend should request a detailed billing statement and review it carefully. Unfortunately, the options are pretty limited.
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That doesn’t add up; it sounds more like you’re talking about yourself, not a friend. Your back-and-forth doesn’t change the fact that your “friend” is being dropped, has a lapse in coverage, and will face higher costs. It’s best to use a broker for assistance.