Q: Is it legal for an insurance company to debit your account for balance from years ago without any notice?
I was getting a quote for new auto insurance coverage and got to the payment page when the site told me there was "a problem processing payment". I checked my account and there was a pending balance that I did not authorize from that company almost $100 more than what I was quoted. I immediately called their support. Their representative told me that they would assist in getting me coverage and that the pending balance would be dropped. Feeling skeptical I asked them to look into it. After a brief hold she returned to tell me that it was a balance due from 2020. I was not aware of this balance and did not receive any disclosure or notification on the site or by email when attempting to complete the payment for the quoted amount. I then asked her to transfer me to their service team. The gentleman stated there was nothing that could be done and that I must have missed the disclosure. I assured him nothing was missed. He then transferred me to his supervisor who told me the same thing.
A: An Oklahoma attorney could advise best, but your question remains open for two weeks. Until you're able to consult with a local attorney on state-specific insurance and consumer law, one option could be to check with the state department of insurance. Most states have such an agency that provides guidance to consumers on insurance matters. Good luck
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