Posts Tagged ‘#cancelled’

Every week there’s something that throws us off our game. As some would say, “God has a sense of humor.” I need to write a post on religion and God since I’ve got kind of a weird take on the whole thing. In the mean time, I’ll just say I like to believe that God has better things to do than mess with our lives and sit back and laugh.

 2 months ago we went through the ordeal of switching our insurance–the whole she-bang of house, 2 cars and RV. I’m the type of person who doesn’t like to change things because I just KNOW I’m going to have problems. Like if I move a chair to a different location, the leg will fall off. Better to leave it where it is. Better to pay more for insurance than risk being toyed with by a nationally known company. Basically, this is living in fear and accepting that what you know is less scary than what you don’t know. So we’d had the same insurance for years (I detailed this all in my post 2 months ago “One part snow, 99 parts chaos”) and it was hubby’s idea to switch. We managed to choose AAA and feel “fairly good” about the decision and the savings. We were hoping not to even think about it again for many years (with the exception of paying when the premium comes due).
Since I obviously don’t know how to make a long story short, last Monday (April 22nd) we got a notice (actually 2) from AAA in the mail. Hubby brought it in when he got home from work. So we didn’t even get to greet each other and he handed me the mail. I saw the first notice, opened it and then yelped, “they’re raising the insurance on the 2 cars and RV by $35!” All it said for a reason was “Rating Factor Adjustment”. You could see the wheels turning in both our minds, we haven’t had any accidents or tickets and the vehicles are getting older. We were both worked up about that and he immediately got on the phone with AAA but the underwriters were gone for the day already. Meanwhile, I opened the 2nd notice and about fainted! AAA was cancelling our house insurance as of May 24th! 😦 How on earth could this be?! Reading further, all it said was because of a dog. When we first signed up, they told us someone would drive by to look at the house. They wouldn’t need to come in, just look around outside. I was looking for them steady for the 2 weeks after we signed up and no sign. We both forgot about it until we got this notice. Hubby talked to one of the guys on the phone and he said the car rates going up had nothing to do with the house insurance being cancelled but he couldn’t give us a reason WHY they had gone up. As for WHY we had gotten cancelled, the records showed the underwriter had come to the house and “heard” an aggressive dog. He didn’t SEE one. Ok, we have 3 dogs, 2 weigh 21 lbs., the other weighs 23 lbs. None of them are aggressive. One barks but only at first, one can’t bark and one is deaf. None are the breeds that are on the banned list like pitbulls. They are all good dogs that are fine around people and most other dogs. We’ve had dogs for the entire time we’ve lived here and in 17+ years, none have ever bitten anyone. A few weeks ago, we had the Directv guy in our house for 2 hours and the dogs were fine! Today, the meter reader for the gas co. came inside and I took him into the basement and the dogs were inside and loose and just fine. So we can’t figure out where the AAA guy got the idea that any of our dogs were aggressive. The oddest thing is he never knocked on the door or called either our home phone or cell phone. He could have met the dogs and seen for himself if he was worried. To think that a company just cancels a policy without even a phone call letting you know what the problem was and seeing if it could be rectified. How unprofessional.
On top of all this, hubby and I were worried that we would have to appeal this which involves a lot of paperwork and who knows what else. If we let it stand, I can’t imagine how hard it would be to get house insurance elsewhere after you tell them you got cancelled! Plus the rates would be astronomical. Hubby was told to email the company and tell them that none of the dogs had ever bitten anyone or had any special training to attack people. He did it and in the meantime, we got another notice saying that we were going to be cancelled and get X amount of money back. Finally on Friday, the guy from AAA hubby was working with called to say it was taken care of and we won’t be dropped. Now of course we’re wondering if after May 24 a refund check will show up in the mail and we’ll have to deal with this over again. I feel like we can never relax and breathe easy and think that things are taken care of because time after time, we find out nothing is ever over!
Today we got a notice saying our car and RV insurance rate is going back down…Oy vey. Now we’re wondering if we want to stay long term with a company like this or if we’re going to have to switch again in Sept. In either case, I don’t want to think about it anymore. The worst thing about this whole ordeal was how we ended up fighting because hubby got so mad and stressed out. I was stressed out too but he lashes out at me which takes awhile for me to get over. You’d think after almost 28 years together we’d have figured out how to get along under the worst of circumstances. For the most part, we get along great. It’s when problems arise that it puts wear and tear on our relationship. We no longer fight when the basement floods so there’s that. 😉

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