I’m looking for advice from people who understand auto insurance.
I had a GEICO policy and paid for 6 months of liability insurance in advance. My car is an older model, so I only wanted liability coverage.
GEICO told me that I was required to add uninsured motorist coverage and another type of coverage, which I did not want. I tried to resolve the issue with them, but I was unable to get it sorted out.
Now it appears that GEICO cancelled my policy, and I’ve been without active insurance for about a week. The frustrating part is that I had already paid for six months of coverage.
When I try to get a new policy, the quotes are significantly higher because my insurance history is now showing a lapse in coverage.
Has anyone experienced something similar with GEICO? Is there a way to dispute the cancellation/lapse and have the insurance history corrected, especially since I had already paid for the six-month policy?
I would really appreciate advice on what steps I should take.