Parents did not pay any premiums on automobile policy, did not drive, and died 1/2 way into policy time Is premium still due?

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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...

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UPDATED: Jun 21, 2013

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Insurance Question from Houston, TX

Asked on 06/21/2013

Parents did not pay any premiums on automobile policy, did not drive, and died 1/2 way into policy time Is premium still due? Parents' auto insurance was automatically renewed in December. Both parents died (natural causes) a few months afterwards without paying the premium and the car had not been driven since before the time of renewal. Although the insurance company was made aware of the facts, they are sending out collection letters from the date of auto renewal until my last parent's passing. Should not this policy be cancelled by the company because parents did not acknowledge the new policy with a payment?

Answer given on January 05, 2014

Many auto policies are automatically renewed unless the insured party requests the policy be cancelled or not renewed. However, the insurance company will usually give the insured a certain period of time to pay the premium. If it is not paid, they will send a cancellation notice for non payment of the premium. If the premium is not paid by that time then the policy will revert back to the renewal date and cancel.Some companies do require a request to cancel even if the premium is not paid. They will cancel the policy as of a certain date. They will then send a collection notice for the earned premium from the renewal date to the cancellation date.Try to work with the insurance company. They may refuse to cancel back to the renewal date. If so, they should be willing to cancel as of the date of death of your parents. If this is not acceptable to you, you can simply refuse to pay the premiums and ignore the notices. It is not your debt, but your parents. g

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