Complaints

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• Initial Complaint

  Date:10/09/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I shopped around for a new insurance policy. I noted on all calls that my truck was broken down and I was considering selling my business (MC#). In order to keep my MC active, I needed a minimum temporary insurance coverage. Part of my inquiry to insurance agencies was if I would receive return of pro-rated premium should I cancel coverage in the coming weeks from the active date. I contacted Milepost to discuss policy options. The agent helped find a rate to provide me minimum coverage of the out-of-service truck that would not affect my operating authority. I specifically was informed I would receive a return of the pro-rated premium amount if I cancelled the policy in coming weeks (if I sold my company or cancelled the business altogether).
  With the promise of a return of premium, I chose Milepost Insurance and paid them the initial premium to set up a new policy from 9/1/2023-10/1/2023.
  Funds paid for policy 8/31/2023: $2099.00
  Billing acct #: ****** Confirmation #: ********** Policy #**************
  Requested cancellation: 9/18/2023 @0852hr Informed policy would be cancelled and they would request pro-rated return of premium.
  9/24/23 Received mailing stating cancellation would be effective 10/21/23
  9/25/23 I called Milepost 3 times (hung up on twice), requesting return of premium and immediate cancellation as noted 9/18/23. Informed they would speak with underwriting. Also asked if I wanted to cancel future transactions (I agreed and noted that should have been done 9/18)
  10/2/23 I called Milepost again for an update. Told they would not issue a return. Said they would check again. Asked I provide documents for their reference.
  10/3/23 Informed via email a premium would not be returned do to federal filings, despite federal agency has received my cancellation of business authority.
  
  No return of partial $2099.00 payment. False business practice of informing potential policy holders of return of premium. Outright lied on this, costing me apprx $839.60 in return

  

  Business Response

  Date: 10/26/2023

  Please see the attached response.

  

  Business Response

  Date: 10/27/2023

  To Whom It May Concern:  On 8/31/23 the insured purchased an annual commercial automotive policy with an effective date of 09/01/23.  They made a down payment of $2,099 (the annual premium was $10,491) and requested that a BMC-91X filing be made on their behalf with the Federal Motor Carrier Safety Administration.  One of the provisions of this filing is that the insurance company is obligated to give the Federal Motor Carrier Safety Administration advanced notice to cancel the filing.  We sent the insured a binder of insurance showing the policy term of 09/01/2023 to 09/01/2024 and the total policy premium of $10,491.  On 9/18/23 the insured called and advised that he had shut down his business and requested that his policy be cancelled.  We advised him that due the filing, advanced notice would need to be given and the policy could not be cancelled right away.  We sent a request to cancel the policy and the filings.  The filings were set to cancel on earliest day they could be, 10/21/23.  The notice of cancellation of the policy was also issued with a cancellation date of 10/21/23.  On 9/25/23 the insured called and expressed surprise about the future cancellation date.  We explained the delay in cancelling the policy was due to the filings that had been made on his behalf.  We told him we would ask underwriting about any potential options and would call him back.  On 9/26/23 we called the insured and left a voicemail asking him to call us back to discuss the possibility of removing physical damage coverage from the vehicle to maximize his returned premium.  On 10/2/23 the insured called us and asked to remove physical damage coverage from the vehicle on the policy.  We submitted the endorsement to remove physical damage.  The insured asked if he could send evidence that his authority was revoked.  We advised that we would send the documentation to underwriting for consideration, but it was Berkshire Hathaway Homestate Insurance Company  a division of   ********* ******** ********* ********* ******* * ********* ********* ******* *********** ****** ********* ******* * ******* ********* ******* * *** ***** ********* ******* ******* **** *** ******** ********* ******* unlikely that would eliminate the insurance company’s obligation to give advanced notice for the filing already made.  The insured sent us documentation that he had revoked his authority.  The documentation was reviewed by underwriting and it was determined that the revocation of authority didn’t relieve the insurance company of the obligation to give advanced notice of cancellation.   On 10/3/23 we responded to the insured via email advising them that the company is not able to change the cancellation date.  On 10/24/23 the cancellation endorsement was processed.  After all the endorsements were processed the unearned premium paid by the insured was $779.  According to our billing system the refund check for this amount will be processed on 11/3/2023 and subsequently mailed to the insured. 

  Thank you, Berkshire Hathaway Homestate Insurance Company [email protected]