Can I do anything about this insurance bill?

Asked by livelaughlove21 (15724) October 17th, 2013 from iPhone

I leased a new car at the end of June and the dealership called my insurance company to replace my old car (I only had liability) with my new car (with full coverage) on my policy. I called my insurance agent the next day to make sure everything was done, and they said it was.

On July’s bill, I saw that my amount due was $30 lower than it was before. I knew it was supposed to go up about $40–50, so I called them. They said it wasn’t put on as full coverage to begin with. I thought that was odd because my state requires full coverage on leased vehicles and I thought getting the call from a dealership should’ve been a clue that I needed full coverage. The representative told me it would be corrected the next month and the next bill would reflect the difference in addition to the amount due, so I only paid the incorrect lower amount.

In August, the same thing happened. My husband called this time, and they told him the request for full coverage was put through the previous month, but it hadn’t been processed yet. My husband tried to pay extra so we didn’t get a huge bill the next month, but they said they couldn’t do that. Again, we had to underpay by $70.

In September, the change was made and we were charged $90 extra to cover what we didn’t pay before. I thought that was the end of it. This month, it’s another $95 extra and the bill says this is the second of three bills to reflect the policy change. By my calculations, we only underpaid by about $140, not nearly $300. And why wouldn’t they put it all on one bill?

We’ll be calling them tomorrow to see why they’re charging so much, but I think it’s ridiculous that we have to pay for previous months of coverage when this was their mistake to begin with. They say if I would’ve gotten into an accident during those two months, they would’ve had to cover it. That’s fine, but I didn’t get into an accident and I don’t think getting this new car on my policy should’ve caused such a big problem.

What would you do in this situation? We’re broke and paying an extra $100/month is really hard for us to do.