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Report: #965797

Complaint Review: Gmac Insurance - Winston-Salem North Carolina

  • Submitted:
  • Updated:
  • Reported By: mwhitney88 — Candler North Carolina United States of America
  • Author Not Confirmed What's this?
  • Why?
  • Gmac Insurance 500 W Fifth St - PO BOX 3199 Winston-Salem, North Carolina United States of America

Gmac Insurance Superior Insurance Fraud/Theft/No Refund on Cancelled Policy Winston-Salem, North Carolina

*Consumer Comment: Non Owners Policy

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May 2012 called Superior Insurance, an agent I was using, to report a vehicle to be taken off ins.  Brandon @ Superior convinced me to keep it on the vehicle I no longer had so that "I would not have a lapse in coverage.". In June called him again advised I wanted the veh. taken off, still he said to leave it on, in July I called again demanding the veh. be taken off, he only half processed the endorsement so that Aug I again received a bill with the veh. still on the policy.  Called GMAC Insurance, was told I HAD to pay even tho the endorsement was clear to them and I would be refunded the following month. Sept. came around AGAIN receive a bill with the veh. listed, I transferred the insurance to a new company.  Called GMAC Insurance to find out where my refund was for the July-August payments made on the veh. to be taken off along with the prior balance I was being charged.  They stated there was no refund due. RIP OFF....Do not deal with either of these companies!

This report was posted on Ripoff Report on 11/07/2012 06:45 AM and is a permanent record located here: https://www.ripoffreport.com/reports/gmac-insurance/winston-salem-north-carolina-27102/gmac-insurance-superior-insurance-fraudtheftno-refund-on-cancelled-policy-winston-salem-965797. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Comment

Non Owners Policy

AUTHOR: Consumer - (United States of America)

POSTED: Wednesday, November 28, 2012

Your agent was correct in advising you to keep your policy in force if you planned to buy another vehicle. Number 1: you continue to have coverage in the event you are driving a vehicle that is not insured or you are in a vehicle that is hit by an uninsured vehicle. Number 2: by maintaining your insurance policy, your premium rates will be lower if you decide to seek coverage elsewhere.

An educated consumer is important. In this situation, you could have asked the agent to convert your policy to a non-owners policy for the time that you did not own a vehicle. You would have had the coverage you needed without having to pay the additional premium to insure the vehicle.

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