- Report: #1345509
Complaint Review: Trumbull Insurance Agency - Connecticut
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Trumbull Insurance Agency
Connecticut, United States
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Trumbull Insurance Agency Overcharging of insurance premiums and attempt of extorting payment after cancellation Hartford Ct
After nearly ten (10 years of automobile insurance coveage, I realized that I was being ripped-off by The Hartford. The first 3 (three) years were okay. Then I had a minor accident, 2010, colliding with a hugh pothole in a mall parking lot. I called The Hartford for help. I should never have done that, because that's when my problems started-- no bodily injury involved, no other person involved, no other car involved; I haven't had a moving violation in over 35 years, not even an unpaid parking ticket, and I filed the required report with the Department of Motor Vehicles.
In 2007, my premiums were $62.14/mo--I'm only one person with one vehicle. My payments escalated to $128.52 Renewal Fee, then $85.68/ mo. Next year - $90.30/mo. Next - $128.67, then $128.03 thereafter. Next, Renewal fee $166.00, and 12 (twelve) months of $113.62. And then, $109.43 followed by $108.87.
Never once was I given full, written disclosre of how The Hartford calculated those exorbitant rates.
I was so disgusted with The Hartford for, after 5 1/2 years, still charging against me a very minor accident and secured a policy with another company, July 20, 2016. My policy with the Hartford was paid through July, 22, 2016. Now, The Hartford has been sending me threatening documents, insinuating I owe them another payment, even going as far as to turn it over to a third-party collection company, Brown & Joseph LTD.
The Hartford keeps trying to tell me that they post-collect payments, which is totally bogus.. Insurance companies pre-collect; they don't post-collect. I believe if all of you will study your policies, beginning date to ending date of your policies, and work it out on paper, you will see that by collecting Electronic Funds Trasfers, The Hartford has been collecting your money 10 (ten) to 13 (thirteen) days prior to your actual, calendar-month, billing-cycle, end-date.
When no resolution came to fruition with The Hartford Billing Resolution Team, I turned all of my documentation over to (Yes, I still have in my possession my 2007 policy.) the appropriate departments of my state. I would suggest that everyone who has been wronged by The Hartford do the same: Give a formal statement to your state's Insurance Department, with documentation and your states's Attorney General's office, with documentation.
1 Updates & Rebuttals
Robert
Irvine,California,
USA
No..
#2Consumer Comment
Sun, December 25, 2016
Sorry but let's just say you are "misguided" on several points.
First not once were you "overcharged" for insurance. Every single renewal the give you a quote on what coverage will cost. It is up to YOU if you want to stay with them or go to another carrier. Insurance companies will quote you prices based on their policies and rates approved by the State. If anything comes out of this, perhaps it is that you need to get quotes EVERY reneawal period..not wait several years.
Next, you are never going to get how they calculate rates. This is something that is very proprietary to insurance companies. I am not talking about just this one. I am talking about EVERY insurance company regardless of if it is Auto, Health, Life...ANYTHING. This calculation is known only to probably less people than you can count on your hands in each company. People much better than you have tried to get this information for decades and have failed. It would be like you trying to sue Coke to hand over their recipie.
Now, as for this last amount they claim you owe. You failed to give the details on exactly what this was? Was this during a renewal period? How much notice did you give them? As many policies(not all) have terms in them that if you cancel mid-policy you still owe a certain amount. Some require a certain amoutn of notice if you are going to cancel at renewal. If either of these apply..you do owe the money.
As for having your policies since 2007. In all honestly they are worthless for any sort of "evidence". The policies are re-written at each term, and every single one is approved by the State. Each term there may be slight changes. There is no guarantee "Well it was this was before..so it is that way now". Again, this is for ANY insurance policy.
You have the right to complain to your State's insurance department if you think you were wronged. If something good comes of it..great. Just based on what you wrote here don't expect a whole lot other them perhaps them saying "If you think you were wronged consult an attorney and sue them".
