Asked in Insurance Bad Faith for Tennessee

Q: My auto insurance has been automatically renewing my policy& bill my debit w/o my consent/knowledge for 2 YEARS! HELP

Insurance company has been billing my credit card for the last 2+ years without my knowledge or consent. I haven't had that car in 2+ years. They automatically renewed 2 years of monthly payments without my knowledge or consent. I was never contacted in over 2 years. My car died, I sold it for scrap and I never renewed my policy. The insurance company told me they might be able to do me a favor & stop future payments but that I will not be reimbursed. Said they sent a letter in reg Mail to me that I never received. They said they sent it to my home address when I don't have a mailbox & never had until last week. I gave them an alt mailing address that I have been getting my mail at for 10+ years. How is this legal? Is it? We are talking $1000.00+ that they have taken when electronic bill pay is 1 year thru them, not 2-3 years..

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1 Lawyer Answer
Peter N. Munsing
Peter N. Munsing

A: They can't wait two years then hit you. If it was monthly, you would have seen it on the bill.File a dispute with the credit card company immediately if you didn't already. Where did you have correspondence with them before? Look for paperwork using your alternate address--like when your car was wrecked.If you didn't have a car you had no insurable interest and thus they can't say you had a "good " policy. Look for a member of the Tennessee Trial Lawyers Assn that handles "bad faith" claims. But first notify the credit card that you dispute charge 1) by phone 2) by cert letter return receipt

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