Overcharged on auto insurance. Can we get a refund?

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by
Jeffrey Johnson

Jeffrey Johnson

Insurance Lawyer

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Reviewed by
Jeffrey Johnson

Updated March 2013

If you were overcharged on your insurance due to a rating error by the insurance company, you are entitled to a refund for the time period involved. You should ask your agent to contact the company to arrange the refund.Some insurance companies are reluctant to go back four years, but there was no way you would have known about the rating error, since the policy usually does not provide the information in layman’s terms.If the insurance company does not want to go back to the start of the error, you should first ask to speak to a supervisor. If that is not successful you may need to contact the Dept of Insurance to assist you in getting the appropriate refund.It is always in the best interest of the policyholder to review their insurance with the agent at least once every two years, or even every year. You may be missing out on discounts or changes that can save you money.