Hartford AARP Cancelled Without Notice!!

[FredL927515]

My policy was set to renew in October.  I received an email in September form the Hartford that my insure was set to auto renew on Oct 26.  Great, all set.  On November 29 we were taking an 800 mile trip and my wife's insurance card was torn and asked me to download a new card.  I logged in to the Hartford, requested the insurance cards and they emailed me the cards...great, all set.  

On Dec 7 (today), I received an email from my lienholder that I need to provide proof of insurance.  I logged in and now it says I was canceled for non-payment...on October 26!  I logged in to the mobile app and yep, it said I was canceled.  I called the Hartford and they said too much time had passed and I cannot get reinstated with them for a year!  I checked my emails and no notices were ever sent, other than the renewal in early Sept.  I am sure I was on autopay, but who knows...but never received anything from the Hartford that I was canceled...by email or mail, or a phone call...nothing!

Now I had to get subpar insurance for a year because I'm flagged as having a gap fin insurance and a rate thats through the roof.  I've not had a ticket or an accident in 30 years, I'm as low risk as you can get.  The Hartford just says "sorry, can't help".  I'm beyond frustrated and AARP needs to help as this insurance is under their umbrella and sponsored by them.  The Hartford has screwed me over.

[GailL1]

The financial part of paying one’s premiums is always on the policy holder - bet if you looked at the policy you will see that this is the case - i.e. NO GRACE PERIOD..  

Once they advised you in Sept of your auto renew date, did you check how it was to be paid or set up something for payment?  

What expiration date was shown on the insurance card you requested or was it just an ID card with policy numbers?

Your lien holder advised you of non-payment so that you could set up new insurance  or taken what they offered as an alternative - which many times is a bad policy for the money.  

A lien holder not showing proper coverage insurance could also result in them calling the loan - read your documents.

Sorry this happened but it is pretty much on you - this is just like other types of insurance that don’t have a grace period, which most don’t.

Read your policy - don’t assume - just because something seems fair to you, doesn’t mean that is how it works.

There was recently an elderly woman who had had a mediGAP policy for years and years - her dementia got worse and worse and her family did not take any action.  She forgot to pay her mediGAP policy or maybe she didn’t have it set up for auto withdraw - whatever - it did not get paid and they cancelled it - no if’s, ands or about - and she could not get it back.  

That’s one of the few reasons that mediGAP policies get cancelled - non-payment of premiums.