[Alan L.]

I don't think the bank dealt directly with the ins co, rather she called the bank, got the number, and gave that to the ins co. It was a valid routing number but apparently the wrong one to use for ins premium or other regular payments. The ins co's position apparently is, you didn't give me the right number.

But they should have known that pretty much immediately. I suspect what happened is they sat on it a few days before even attempting to make the draw on the bank. Then when the bank rejected it, they sat on that for a week or two before getting around to sending a letter they knew might take several days for the customer to receive.

When I buy a new car I call the agent and am told its covered. That to me is a binder, a temporary policy until finances are finalized. I don't see how there would not have been coverage. Its not like she wrote them a hot check. She has a valid bank account, it had the money in it for the premium, there was just a mistake made in the paperwork.

I did locate and download complaint forms from the Texas Dept of Insurance. I know this can't be the first time this has happened - can't believe they can get away with it.

By the way, when my son called to correct the routing number they were happy to have it apply back to Oct 6th until they found there had been a claim filed. So, if there is no claim you are covered retroactively (so they can charge for that period) but if there is a claim, oops, you aren't covered.