Permanent General Auto Insurance (PGAC)

On 6/10/10, I paid the monthly premium of $214.55 through internet banking (they take it directly out of my account for my grandson's auto insurance). Prior to making the payment, I faxed a letter informing them the policy would be canceled effective on 6/30/10. I also asked for a refund for the period July 1-10, 2010 because I was paid to the 10th of July. I received no reply and no refund. However, today 9/11/10, I received a letter from a collection company (NCO Financial Systems, Inc.) informing me that I had an outstanding balance due to Permanent General of $28.30.

I contacted them and they told me they could charge me 10% of the "unearned premium" according to the policy. They said the "unearned premium" was the balance due on the policy through the end of the policy period and that amounts to $826.70, which includes monthly fees (it is $790.00 without the fees). If that is the case, why does the policy states under Sec. G. Refund of Premium, page 5, that you may be entitled to a 90% refund of the pro-rated unearned premium? They said the unearned premium is the balance due on the policy through the end of the policy period. If that is correct, how can I receive a refund for something I did not yet pay?

It is my understanding that the unearned premium would be that portion of the policy that was prepaid and not used, thus the 10 days in July. After talking to 3 other people, I talked to a supervisor named Diane and she said she would have to call me back. I am still waiting. They tried to tell me that the monthly premium was for the past month and that you do not pay in advance. When I asked this question, the first person I talked to said you always pay in advance. You make one large payment, then monthly payments.

Auto stolen 2 1/2 months and they continue to not answer phone, pass on to someone else. Sent someone from Nashville to talk. He said maybe 2 more weeks to complete claim. Received a call today for something else that will delay another 2 or 3 weeks. The rental car will be paid for 4 weeks only. I have no way to get to work. They want extend the rental car, stating I must pay now but they continue not completing the claim to replace my car. They wasted 2 weeks after the car was found before they started the claim. We made many calls with no answer. Having to pay for a rental car that is not my fault that I have to use and pay. Stress, stress with their not concerned attitude. If I give up car no way to work.

I too wish I had not been seduced by PGAC's commercials. It is true that their rates were substantially less than my previous insurance company but I should have remembered what my grandmother always told me about getting what you pay for. To make a long story short, it took DAYS for their system to accept my payment and their website would not allow me to electronically sign the policy. Almost immediately I received a letter stating I was being cancelled for lack of signature.

I received a copy of the policy with NO signature pages and the admonition to electronically sign the policy. When the site failed to allow this, I phoned and asked for a hard copy of the signature page. I allowed 10 business days to pass before calling AGAIN and requesting AGAIN a hard copy of the signature page. This time I received NOTHING. Finally, over a month after my original request, papers show up with signature lines. Of course, they also showed up 3 days AFTER they lapsed the policy for "lack of signature". Their customer service reps do not answer messages on voice mail and ignore questions in e-mails. I faxed information to them and attempted for TWO DAYS to ascertain the fax arrived only to be told on the third day that they had no record of receiving it.

PGAC is more callous and uncaring than your average insurance company (which is saying a lot) and their customer service and accountability is nonexistent. I cannot even imagine how they would treat an actual claim. By the way? Since their computer told them they did the right thing, they pretty much called me a liar to boot. Don't use them. Run away. They aren't even listed on JD Powers rating site for auto insurance companies! Pay the extra money for your old company and remember what grandmother said: You get what you pay for!

As an addendum...I have been calling the 'supervisor' who is 'handling' this problem for hours to confirm if my fax has arrived. She was supposed to call me. Ha! I am now on death hold waiting to speak to HER supervisor! As a single mother on a limited income, unfortunately I have had a period of 33 days wherein I was uninsured. Due to this fact, I expect that my license and/or registration will be suspended which will result in an onerous burden in the form of fines and fees. Um, not to mention the fact that I have no family in the area and I NEED MY CAR!

well in April of 2008 my partner Mark and I received a letter from our private insurance co. AARP canceling our auto policy on both vehicles ( private) because they discovered Mark's CDL had been suspended for 4 in a half months. My partner went and took care of it and had it back in one business day! Turned out that from a ticket or accident through Mark's dump truck driving job somehow 3 points were put on instead of two??? Plus he had given a address change to a mvd in Mesa and Az mvd had our current address and failed to notify us.

Anyway after getting my car up from it being parked from a censor going out in 9/2008 a policeman pulled me over saying my registration was suspended and he took my plate! It cost to get it all straightened out for both of our private vehicles and I was so angry at AARP for completing the dropping of our policy even though Mark had his license re-en stated.

Then I purchased a policy with the general's web-site on-line September 3,2008 in the am. They quoted me and I agreed to a 10% down payment and ELEVEN monthly payments. 8 days later I received a letter from pgac saying my first payment was due on the 18 th of that same month. I had to halt auto-debit, because I am on a fixed income and have NO money in my account on the 18 th. So every single month since then I've been receiving bills twice a month, my policy has been canceled on for example I paid on-line on the 2 nd one month and a cancellation notice canceled it anyway on the 3 rd and re-en stated it at the same moment and added $15.00 re-en statement fees for 21 months.

Due to my partner being diagnosed with advanced prostate cancer stage 4, now in his bones was unable to work and we sold one of our cars. I had a notary sign the title on the 3 rd of January and pgac refuses to give me credit for that date.

I wanted to mention we were ordered to have SR-22s and I believe this is the driving factor behind PGAC's canceling and re-enstating my policy. They also have been trying to FORCE me to pay off early and they are trying to say I owe them $230.32 for the 4 months remaining of my policy year on the one vehicle. According to all of the letters I've saved all having different due dates, canceled and re-enstated on all different dates, so no matter when I paid my monthly premium they canceled and re-enstated, I feel to add 21 months of re-enstatement fees which if they did cancel TWICE a month for 21 months it would be $650.00, once a month would be about $360.00. they keep upping my monthly premiums!

I have faxed them, ( i have copies) asking for relief, We have called them and all they say is we do not cancel in advance, we do not bill bi-monthly ( while I am holding the bills in my hand) and we do not force people to pay off early. No one will answer me on the fees being added to the end of my total. I am asking for help or guidance on how to handle this. Yesterday I faxed them a copy of my disputing/objecting of the $230.32 they say I owe for the remainder of the year..

I purchased a auto policy with " The general" or PGAC on 9/03/2008 for 2 vehicles, as our old auto insurance we had for 2 years dropped us, because my partner is a CDL driver and An EXTRA-pont was put on HIS cdl, other than what the judge said and his cdl was SUSPENDED for 4 in a half months and we were NOT notified. We found out when The hartford DROPPED us. My partner had his cdl re-enstated next day! Our registration was suspended etc. we had to pay, pay and pay!

So I put a down payment for a policy with the general on 9/03/08 at 6:30 am PT and they accepted us faxed my polcy and cards on THAT day. I recieved a letter in the mail 6 days later saying they wanted another payment on the 18 th of september/08, even though on bottom of policy it clearly states what I agreed to a 10% down and 11 MONTHLY payments. I am ON a FIXED income and pay ALL bills on 1 st of month, so I faxed them a copy discontinuing "auto-debit" as they will over draft my account.