Max T
Santa Fe,#2Author of original report
Tue, February 02, 2010
Hartford called and said they had reviewed their recording and had determined that I was NOT informed of a cancellation fee, and that they would refund the total I asked for!
The Hartford Personal Auto Insurance Policy booklet for New Mexico has the full agreement regarding coverage and terms. Under "Other Termination Provisions" on PG 22 OF 23, (the ONLY place it talks about cancellation), I located the text:
"IF THIS POLICY IS CANCELLED, YOU MAY BE ENTITLED TO A PREMIUM REFUND. THE PREMIUM REFUND, IF ANY, WILL BE COMPUTED ACCORDING TO OUR MANUALS."
If there is a fee for early cancellation in their manuals, unless I am privy to their "manuals" BEFORE I SIGN UP, then there is no contract. There may be a cancellation fee described in their manuals, but since I have no way of seeing their manuals...
I doubt very seriously that the conversation was recorded! Even if there is an early cancellation fee, it must be stated in the contract. Imagine firing your gardener and him asking you to pay for the rest of the year! If it is not written into the contract from the beginning, there is no cancellation fee.
The hubris! The gall! The chutzpah!