Woodbury, New Jersey
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1 comment

Let see if i pay 6 months 2200 and i change company why am i only getting 800 back after 2 months..

Reason of review: Problems with payment.

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It's called a short rate refund. Instead of pro-rating it (only charging you for the time you used) you're charged for the time you used PLUS a charge for the company's expenses incurred in underwriting your application, sales fees they paid out and overhead costs.

When they originally quoted your premium they anticipated receiving full use of your money for the full six months. You short changed the company by cancelling early. In return, the reserve the right to charge you those fees for cancelling earlier than the contracted time.

This is very common when you leave earlier than they anticipated. You'll find this is pretty standard practice with most insurance companies.

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