Originally Posted by The_Jazz

I'm not sure what the exact time-frame of this story is, but being an insurance nerd, I may be some help. Unless you've got an illegal insurance policy, what you received from your insurance carrier is most likely a "notice of intent to cancel". All 50 states require at least 10 days notice before they can cancel your coverage, and almost every one starts the clock on the date you RECEIVE the notice, not the day they mail it (generally by adding 2 or 3 days from the date mailed). That means that if you've gotten this all straightened out you can either send them a new check or get them to rerun the one they have. If you've gotten the consistent customer discount and explain what happened (spin it as a double billing), the carrier will probably be happy to keep you as a customer.

Read the fine print of the notice you got - you'll probably find a date in the future when coverage will be cancelled. You may not be screwed yet, but you need to act fairly quickly. Personal auto insurers are battling big time right now for retention, and I've heard of some that have handed down mandates to their agents to do whatever it takes to keep folks on the rolls.

Good luck!