Mendota Insurance Company Mendota is ripping me off for service not provided St. Paul, Minnesota

On 02/25/11 my insurance policy was increased for initial payment of $120.69, the company did not notify me of increase in Policy and there was no signed agreement to this effect. I signed up with GEICO on 02/27/11 and cancelled with Mendota on 02/28/11.  $120.69 charged on 02/25/2011 was meant for period of 02/25/11 to 03/24/11. However, because I was not formally informed of increase in Policy, I had my insurance cancelled with Mendota on 02/28/2011.  

I later received a renewal notice on 03/05/11, after cancellation request was processed.  I contacted Mendota to receive a refund from period of 02/28/2011 through 03/24/11. To my surprise, out of $120.69 which was charged for a whole month period of 02/25/11 through 03/24/2011, a refund check of $45.18 was issued to me (CHECK WAS NOT CASHED). In anger and frustration, I contacted Mendota to inquire why I was given only $45.18 out of $120.69, and they claimed there was a $60 fee which is not refundable.   

I took the claim up with my bank and the charge was refunded. Mendota?s claim that I should show a proof that I obtained insurance from another insurance is not valid due to the following reasons: I was not notified in writing of increase in policy, nor was any agreement signed for consent. I was not aware of an increase in Policy before renewal. I had no reason to sign up with another company since I was not aware of an increase in my Policy, and I was not notified. 

Mendota claimed there is $60 fee charged because I cancelled after renewal.  However, I did not receive renewal/increase in Policy notice until 03/05/11 after I have called to cancel my policy, which makes the claim $60.00 fee invalid.