can insurance charge double if you miss one payment ?

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: Nov 11, 2013

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 Lady Lake, FL

Asked on 11/11/2013

can insurance charge double if you miss one payment ? MY father had AAA for over 45 years , his wife passed , had a new roof put on , thought he paid the insurance on his AAA card but was the payment for the roof supplies ( very close in figures) when we went down to get a copy of his papers that mine name ( his daughter ) was put on they said he did not have insurance , we argued the fact but they had dropped him, NOW he is blackballed and cannot get home insurance for less that 1200 for 6 months , he was paying 500 for the year . Can they legally do this without notification?

Answer given on November 14, 2013

If a homeowner premium is not paid by the due date, the insurance company must send a notice to the homeowner at the address on the policy giving the client 10-15 days to make payment on the policy. If the premium is paid in that time frame then the insurance will be reinstated back to the original due date and the insurance will continue. If it is not paid, then the insurance cancels. It is up to the insurance company as to whether they will allow a reinstatement with a lapse in coverage.Depending upon the time between the cancellation date and now, the insurance company may allow a reinstatement with lapse. Contact the company and see if they will do this. You will have to confirm there have been no losses, but it could work.The fact that he cancelled should not affect his ability to find other insurance coverage. It may be that there is a problem with the property ( you mentioned a new roof) or the area is a problem for all insurance companies. Contact an independent insurance agent, who represents multiple insurance companies and see if they can help. The cost may be more, but again this may be due to a loss or something other than “blackballing”.

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