Allstate didn’t cancel my policy after switching to GEICO, now I have a past due notice

Insurance Forum Auto Insurance
1

I switched from Allstate to GEICO at the end of October, about a week before my Allstate policy expired. I spoke with my Allstate agent, sent all required documents, and even received an email confirming my policy was canceled. However, today I got a letter saying I haven’t paid, and my Allstate policy is about to be auto-canceled. It also mentions potential penalties for being uninsured, even though I’ve been insured with GEICO.

I called Allstate’s 24/7 number since my local agent is closed, but they just told me to call the agent during business hours. My concern is whether this situation could affect my insurance rates or my credit score. I plan to call my agent first thing in the morning to resolve this, but I’m worried about any potential damage to my records. Has anyone experienced something similar or know if this will impact my credit or insurance rates? Thanks in advance for any advice!

2

If you’re in NY and insured through Allstate, you can likely backdate the termination to the start of your GEICO coverage. This would adjust the amount due to reflect the correct termination date, potentially leaving you with nothing owed.

3

If you have paperwork confirming the cancellation date, it might be an issue with the policy renewal not being properly canceled. They should be able to fix this when your agent’s office opens.