Can an Insurance Company Force me to continue remaining their client?

Free Insurance Quote Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

UPDATED: May 31, 2012

Advertiser Disclosure

It’s all about you. We want to help you make the right legal decisions.

We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.

Insurance Question from New Smyrna, FL

Asked on 05/31/2012

Can an Insurance Company Force me to continue remaining their client? I sent them a check I send them to cover my boat for a year. They cashed the cheque and the year expired. Now they insist I pay them again, this time with a 70% price hike. I never claimed anything from them. I want nothing to di with them. They have not been re-engaged. How can I pay for a service never rendered? Is there not a principle called quid pro quo? Or freedom of choice?

Answer given on June 03, 2012

Many insurance policies are considered an automatic renewal. If you do not request that a policy be renewed, the policy will automatically renew and a billing sent. If you did not want to continue the insurance coverage, you should contact te company and advise them that you do not wish to continue the insurance.If you have obtained insurance elsewhere, you can provide the old insurance company with a copy of the new policy. They should be willing to cancel the policy back to the date of the new policy since duplicate insurance is not considered proper insurance.If you did not replace the insurance, the insurance company may be able to charge you for the time the policy was in force. They most likely have already issued a cancellation notice for non-payment of the premium so you would not owe the entire year’s premium, only the time their policy was in force. If you received the cancellation noticee, and no intention of keeping the policy, you should have called them when you got the notice. There is an expectation that you are to notify them if you do not want to continue the insurance.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

 Secured with SHA-256 Encryption