Insurance company charged mom for collision on $2,500 car for 4 years

[Dennis S]

I insured the car in September, 2015. I told them since it was a 2002 car that I didn't want collision and comprehensive. I never looked at the policy since she was in charge of it. I added another car today and the agent said the 2002 had collision on it. I haven't figured out how much she was overcharged yet. I wonder if there's any chance at a partial refund. If there had been a collision, they wouldn't have paid anything on a car that old and almost worthless.

[Speedy]

You are screwed because it happened much too long ago.

[Ombligo]

The car was still covered, so no basis for refund. Sorry.

[JoeH]

Most you can do is fire the insurance agency and do your business elsewhere..

[cbelt3]

I would try for a refund ..” these calls are recorded “. At least social media about it.

[space-time]

JoeH wrote:
Most you can do is fire the insurance agency and do your business elsewhere..

yes, and check your policy

[C(-)ris]

If there was an accident they would have totalled it and payed $2500 or whatever it is worth as opposed to nothing.

[Acer]

How much of a premium was the collision on a $2500 car? I keep collision and comprehensive on a similar vintage car, and it adds $150 a year. It's not breaking the bank in my case.

[Dennis S]

Acer wrote:
How much of a premium was the collision on a $2500 car? I keep collision and comprehensive on a similar vintage car, and it adds $150 a year. It's not breaking the bank in my case.

I haven't looked. I may just let it slide. I assume that collision on an almost worthless car would be pretty low, right?

[Mr645]

I have a 2003 vehicle, actually is really good shape but at best I could argue worth $4500, probably have to settle for less. Annual collision coverage is $134 yr