l******n
发帖数: 11737 | 1 【 以下文字转载自 Automobile 讨论区 】
发信人: lalaphin (orpheus), 信区: Automobile
标 题: ［求助］未到期保险就涨价的问题
发信站: BBS 未名空间站 (Mon Dec 27 13:26:50 2010, 美东)
4个月前刚办的车保，一年保。当时LD驾龄5年多，我不到一年。
结果几天前收到保险公司通知，说保费涨了几百。
打电话去问Agent，Agent说保险公司故意的，开始给我们低价，等到我LD驾龄到6年了
，就说我们状态变了，要更新，然后保险公司重新评估，说我驾龄短，所以保费反而涨
了。
我们觉得这很过分，于是查了一下其他公司，发现给的价比之前还要便宜，于是决定
cancel掉换一家。然后那个Agent又说我们可以cancel，但是由于合同没到期，所以要
交4.5％年保费的违约金。我们觉得匪夷所思，难道你更新我们合同我们都没选择权吗？
于是我查了一下我们州政府的法律，发现如下一条：
You have the right to cancel your policy at any time.
You can shop for a cheaper or different automobile insurance policy at any
time – not only when your policy is up for renewal. If you find a better
price or a company that offers additional coverages that you wish to
purchase, you can cancel your old policy and seek a refund of your unused
premium. Be aware that if you cancel a policy before it expires, your prior
company may charge you a penalty. You should consider this option very
carefully to make sure this is the best option for you. You should never
cancel your old policy until a new one is in effect. A lapse in coverage
could result in higher rates in the future.
这一条里面这一句“not only when your policy is up for renewal.”很重要。
然后这一条就更明显了。
Canceling or Changing Insurers
If you would like to change your insurance company, you have 30 days from
the date your policy began or renews to make this change, otherwise you may
be charged a penalty.
这是不是意味这我完全有权cancel现在的保险（30天内）？因为保险公司给我的涨价就
算renewal了？
请有经验的xdjm给点意见，包子相谢！
祝大家新年愉快！ |
l******n
发帖数: 11737 | 2 我是boston的，这家公司是plymouth rock insurance.请各位xdjm给点意见，包子相谢
！ |
q****r
发帖数: 2285 | 3 我觉得法律是说你有权随时换商家，商家没有权利不让你退出，但可以给你罚款。 |
y****r
发帖数: 3036 | 4 我换过若干家保险公司，从没被罚过款，我怀疑是agent的trick
【在 l******n 的大作中提到】
: 我是boston的，这家公司是plymouth rock insurance.请各位xdjm给点意见，包子相谢
: ！
|
l******n
发帖数: 11737 | 5 agent是华人，在boston华人保险圈还比较有名，不排除他搞鬼。毕竟当初这家黑店也
是他给我们介绍的。
目前我不管3721保险换定了。因为学校的保险更便宜。
agent说违约金大概要1百几十刀，我大不了交掉。不过我肯定要去政府投诉的。 |
l******n
发帖数: 11737 | 6 到政府网站FAQ找到了这个,我基本放心了
13) HOW DO I GO ABOUT SWITCHING INSURANCE COMPANIES PRIOR TO THE END OF MY
POLICY WITHOUT PAYING A PENALTY?
Once you receive an invoice reflecting new (not estimated) rates and any
applicable new deviations or discounts, you have 30 days to change insurance
companies without paying a "short rate" penalty. If you make a change
within this 30 day period, you will pay your former insurance company on a
pro-rata basis at its newly established rates until the date the coverage
with your new insurance company begins. If you choose to switch insurance
companies after the 30 day period, you may be subject to a short rate
penalty which decreases as your policy year progresses depending on the
insurance company to which you transferred your coverage. You should ask
your new insurance company whether it will reimburse you for these penalties |
a*****g
发帖数: 543 | 7 直接跟你保险公司的客服打电话要求换公司，跳过Agent
【在 l******n 的大作中提到】
: 我是boston的，这家公司是plymouth rock insurance.请各位xdjm给点意见，包子相谢
: ！
|
D*******a
发帖数: 3688 | 8 胡杏春？
【在 l******n 的大作中提到】
: agent是华人，在boston华人保险圈还比较有名，不排除他搞鬼。毕竟当初这家黑店也
: 是他给我们介绍的。
: 目前我不管3721保险换定了。因为学校的保险更便宜。
: agent说违约金大概要1百几十刀，我大不了交掉。不过我肯定要去政府投诉的。
|
