Cliff Cottam Insurance Services

The client contacted us on 9/19/and requested to cancel the policyHe told us he was selling the vehicle to *** * ***I advised the client that we will need a signed cancellation request in order to cancel the policy I emailed him the request we needed signed and asked him to email or
fax the signed cancellationI also advised the client that we will email confirmation that we have received the signed cancellation and submitted it to the insurance company We did not hear back from the client until 11/06/2014, over a year laterThe client was frustrated because his policy had not been cancelled and money had been automatically deducted from his bank account The client was asked to provide a receipt for the sale and the original signed cancellation statementWe explained that we never received the signed request back in and we will see if the insurance company will backdate the cancellation The insured only provided the receipt from *** * ***, however he did not include the original signed cancellation request We forwarded the receipt to the insurance company asking if they will backdate the cancellation The company advised us that they will remove the vehicle and the policy will change to a non-owners status due to not receiving the originally signed cancellation requestThe company also advised us we could not backdate the cancellation due to the non-owner liability exposureI spoke with the client's sister and explained thisI asked her to provide proof in the form of the sent email or fax confirmation showing that her brother did in fact send over the signed request back in I never heard back from her It is our company procedure to provide the client with a form to sign to cancel their policyWe also inform them that the policy will cancel on the next business day after receiving the signed requestWe also let them know we will email confirmation to them when we receive the cancellation request so the client knows it has been receivedWe do not follow up with the client if we do not receive the cancellation requestThere are times when a client changes their mind about cancellingWe made the assumption that Mr*** had changed his mind since the policy payments had continued and the policy had renewed twice

Review: I was being billed monthly from September 2013 to October 2014 when I should not have been.I had an insurance policy on a car that I sold in September 2013, the same month that I cancelled the policy. I should not be billed for insurance on a car that I do not own, especially after I cancelled the policy. Their response was that even though I sold the car, they were still liable if I drove another. This statement is completely contradictory to the statements of one of their claims agents that I spoke to over the phone. That agent stated that the insurance was on the car, if I drove somebody else's car and tried to file a claim, it would NOT be covered. Again, I had already cancelled the policy anyways, so this is all moot.Desired Settlement: I am seeking my money back for the months of September 2013 through October 2014, the months I was billed even after my policy was cancelled and the car was sold.

Business

Response:

The client contacted us on 9/19/13 and requested to cancel the policy. He told us he was selling the vehicle to [redacted]. I advised the client that we will need a signed cancellation request in order to cancel the policy. I emailed him the request we needed signed and asked him to email or fax the signed cancellation. I also advised the client that we will email confirmation that we have received the signed cancellation and submitted it to the insurance company. We did not hear back from the client until 11/06/2014, over a year later. The client was frustrated because his policy had not been cancelled and money had been automatically deducted from his bank account. The client was asked to provide a receipt for the sale and the original signed cancellation statement. We explained that we never received the signed request back in 2013 and we will see if the insurance company will backdate the cancellation. The insured only provided the receipt from [redacted], however he did not include the original signed cancellation request. We forwarded the receipt to the insurance company asking if they will backdate the cancellation. The company advised us that they will remove the vehicle and the policy will change to a non-owners status due to not receiving the originally signed cancellation request. The company also advised us we could not backdate the cancellation due to the non-owner liability exposure. I spoke with the client's sister and explained this. I asked her to provide proof in the form of the sent email or fax confirmation showing that her brother did in fact send over the signed request back in 2013. I never heard back from her. It is our company procedure to provide the client with a form to sign to cancel their policy. We also inform them that the policy will cancel on the next business day after receiving the signed request. We also let them know we will email confirmation to them when we receive the cancellation request so the client knows it has been received. We do not follow up with the client if we do not receive the cancellation request. There are times when a client changes their mind about cancelling. We made the assumption that Mr. [redacted] had changed his mind since the policy payments had continued and the policy had renewed twice.