Complaintsfor360 Insurance

• Initial Complaint

  04/18/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I signed up to get insurance for my vehicles and swiched over to 360 Insurance. They cancelled my insurance and did not email, text, or call me and they had all of my contact information. Now I am getting charged a higher premium because of a laps of service I did not know about. I called the number and it had been disconnected. It it unfair to penalize me for something that was not in my control. The same thing happened to some other people I know after talking about it at the office. You can not just stop coverage without speaking to me. It is the law that we have insurance and I do not like breaking this law. I am so upset that a company can continue doing business such as this

  Business response

  04/22/2024

  **** called our office to update her policy. When our front desk employee looked her up we noticed her policy was cancelled. My employee let her know that her current policy is cancelled. Before we could find a resolution or work with her she told us we suck and hung up. We had the intention of reinstating her and helping her out, however, she did not want to cooperate. When **** was set up with our insurance office in December of 2023 she was adamant to not be placed on automatic payments. She expressed that she would make the first payment manually and she would call us in the beginning of the year to pay for the rest of the year. She called in January to make two months worth of payments. In February a bill was sent to her for the amount that was owed. The letter states the following "We appreciate your business. To avoid a lapse in coverage, your payment must be applied to your policy by the due date. Otherwise, coverage may cease as of that date at 12:01 a.m. A $15 fee may be charged if payment is received after the due date." She did not pay it so her policy was cancelled. A letter was sent the next day to her house to notify her. We have a way that we could have reinstated her without her premium being effected. Our office typically waives the $15 fee. I have attached the cancellation letter as well as the bill. We gave her every opportunity to pay the bill by providing our number and website that she could go to and make a payment. 

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