Print the value of index0
Travelers Indemnity Company Trisure Corp - Raleigh, NC Don't ever try to cancel your policy. Travelers will screw your life up. Hartford, Connecticut
A few facts first:
My name is MichaelMy old insurer was
Travelers
I live in the state of
North Carolina
Around the last week of
January, both my wife and I received letters from the North Carolina DMV
stating that we had a lapse in auto coverage, and that we needed to prove to
the DMV that this was not the case. The
letter stated that our auto policy was cancelled as of December 12, 2009. Obviously this was a mistake as Travelers was
not supposed to cancel our policy until December 29. The penalty for a lapse in coverage is either
a $50 civil fine for each person or suspension of your vehicle tags for 30
days. I responded to the DMV with a
written note that they were mistaken.
Along with my note, I included a copy of my Travelers policy, my new All
State policy, and the letter we received from Travelers stating that our auto
policy would cancel on December 29. I
did not hear back from the DMV until the second week of February.
I received a response
from the DMV on February 8th, 2010.
In the response from the DMV, they stated that what I sent to them was
not sufficient to prove I did not have a lapse in coverage. They stated that if I did not provide them
with an FS-1 form by 5 pm on February 9th, the tags on both my car
and my wifes car would be suspended for 30 days. Alternatively, we could both pay a $50 civil
fine to avoid having our tags cancelled.
As I had no idea what an FS-1 form was, I immediately called Travelers
customer service number. I explained the
situation to the customer service rep that answered my call. I ended up getting transferred to another
dept. The next person I spoke to could
not help me either. All total, I spent
nearly an hour on hold while being bounced around to different representatives. I finally got tired of waiting, so I decided
to try again on the morning of the 9th.
Once at the Travelers
office, I spent nearly 3 hours with my former agent trying to get this
situation resolved. Her words were that
this was 100% Travelers fault, and that they would do whatever they could to
help me out. I explained to her that if
she could not get the situation resolved by 3:30 pm, that I would be forced to
pay the fine as I could not risk having my tags cancelled. Travelers was unable to resolve the situation
that day so at 3:35 pm I paid the fine via the DMVs website. When I asked my former agent how I could get
Travelers to reimburse me for this money, she said her office would go to bat
for me and that she would be in contact with me soon.
I was very enraged by Travelers not reimbursing me for the fine I paid and also trying to bill me for the remainder of the policy. As such, I filed complaints with both the Better Business Bureau and the North Carolina Department of Insurance. The Better Business Bureau complaint was a complete waste of time. The person that answered the complaint at Travelers admitted they made a mistake, but that I still owed them the $68 for the reinstatement of my policy. He again reiterated that Travelers would not reimburse me for the fine, but that I could contact the North Carolina DMV and request repayment of the fine as Travelers had issued the FS-1 form. The complaint with the North Carolina DMV did bring about some additional infuriating information. I found out that Travelers did issue me a refund of $42 when they mistakenly cancelled my auto policy. However, when I received that money I assumed it was for the home policy which was supposed to cancel a few days early. When asked why they were now trying to charge me $70 ($68 plus a late fee) for the reinstated policy instead of $42, all Travelers could say is that they made another mistake and that I still owe them $42.