GEICO didn’t cancel my policy like they said they would and I had to pay $210 to Progressive due to the balance being outstanding.

[struggles17]

Title says it all. Sales rep at geico told me to sign all the documents and that they would take care of the cancellation process for me. I did that they day of and trusted them. I’ve never reached out to a company to cancel before since I’ve always had a third party do that for me. Today I get a notice that essentially says “you never cancelled and you’ve been ignoring us. Final warning, pay this fine or collections gets involved.” I’m pissed bro, what do I do now?

Edit: Thank you for all the help. I just got off the phone with both companies. Geico confirmed they sent it in. Progressive didn’t honour it. Checked my emails and never got anything from Progressive about confirming I should cancel, only that I needed to pay for that month’s, January’s, policy. Policy was cancelled for nonpayment, so I owed them that. Talked with them and they said this situation won’t affect me long term. Taking this as an L, and a lesson learned the hard way.

Edit 2: You guys corrected me, pointing out that by Progressive reaching out to pay is them reaching out about an active policy. This whole thing is on me. Damn bro

 

[kikisw]

@struggles17 Show progressive the proof of when you were insured and they will backdate the cancellation

 

[ctheatheist]

@kikisw This is the answer.

 

[didergreen]

@struggles17 Why would Geico be involved in cancelling your Progressive policy for you?

 

[marybeth763]

@didergreen Some places will do it as a service to make it easier to switch to them

 

[harbor]

@marybeth763 I have genuinely no idea why you're being downvoted when you are 100% correct. Don't shoot the messenger, y'all.

 

[rise_above]

@harbor Right, and at my company, the agents don't answer those requests. They may call the customer and confirm, but they never listen to the other carrier because the contract isn't with the other carrier. I don't get why people rely on that tbh.

 

[a43]

@rise_above It’s generally signed by the customer so ignoring such a request would be blatant negligence on the part of the insurance agent receiving it. Can’t even believe you just said “we ignore our jobs, I can’t believe people actually think we’re doing it”

 

[kagbotemi]

@a43 I was about to say pretty sure those accord forms are pretty straight forward with whom is actually requesting the cancelation, including signature lmfao

 

[rise_above]

@a43 It isn't my job to entertain random people requesting cancellation of a policy. My insured needs to contact us directly. If they do, we cancel the policy. What's with the assumptions?

 

[a43]

@rise_above Written request for cancellation is a legal form of request and ignoring it could lead to problems. Idk where you work but I know they’re lazy as hell. It’s a service and you’re just being a jammed cog in the process by pretending there’s anything wrong with another company PROVING to you that your customer has insurance with them already.

 

[dealbabala]

@rise_above Signed and dated cancelation not being honored will backfire on you eventually when a customer gets billed for months after they sent that in. Written record is enough

 

[rise_above]

@dealbabala Right, written record straight from the customer, not another company.

 

[dealbabala]

@rise_above Right, i can agree with that, but if I fax a letter from the customer from my fax machine, is it getting cancelled?

 

[janneygee]

@rise_above The form literally has the insureds name, the whole policy number, and a signature. It is technically from the customer.

You think insurance companies are just mailing random letters to cancel policies?

 

[litvi]

@rise_above If the other carrier has the request in writing and it is signed by the client then it is considered negligence to ignore it. At the very least it needs to be addressed by contacting the client since the other carrier is only considered a messenger at that point by providing the clients request in writing