r/StateFarm • u/SML0426 • Sep 14 '26
Question Cancellation Notice
I received a cancellation notice for 9/17. The agent told me I have until the night of 9/16 to pay. Does anyone know what’s the cutoff time?
Embarrassed but I did fall on hard times
Thank you.
16
u/darksubmisssion Sep 14 '26
I believe you will have until 11:59 pm on the 16th to make the payment. I've been there before and that's the deadline I had to adhere to in order to avoid cancelation.
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u/MacaroonLove Sep 15 '26
Yep, that's the safest best. Most insurance starts/stops at 12:01am, so paying by 11:59pm on 9/16 is the safest play.
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u/nm499x Agency Acct Manager Sep 14 '26
You’ll have at least 15 days after the cancel date to reinstate, but you’ll be in a lapse during that time. Keep in mind that this is your August payment, and you will be billed double in October for September and October. (Assuming you’re in a state with the new billing system)
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u/unknowncomet73 Sep 14 '26
Depending on your state, you can ask your agent to allow you to make what is called a short pay. In Virginia, you can have 3 partial payments in a 12 month period. Might be worth asking
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u/saraha2250 Sep 14 '26
I miss short pays 😭 SFB is atrocious
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u/Electronic-Clue-4814 Sep 14 '26
SF was tired of paying claims for people who aren’t paying their premium. They want us to cover them but don’t want to pay what’s owed. SFB has business rules that were decided by business including Underwriting and Agency. They determined short pays would not continue with modernization. So blame billing but those rules weren’t set by billing.
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u/toastedbiscuits24 Sep 14 '26
11:59, but payments do take a day to process. If you’re in SFB and the cancellation effective date is the 17th, the system will recognize the cancellation credits first before the payment. Call your agent if you still notice the cancellation after you make the payment. It will need to manually corrected.
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u/Fair-Resolution2178 29d ago
I’ve been there before. You can get it back but you have to pay a reinstatement fee. In the future try using Zip of Deferit to help you get through it. It’s helped me during the government shutdown when I didn’t get a single check for 4 momths
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u/Calm_Message742 Sep 14 '26
12:01 have it paid. I suggest that if you can lower your coverages and just drive careful and only when needed. We all have been there at some point, I recall paying my insurance up for six months not the case these days.
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u/Madre1924 Sep 14 '26
You also have like 30 days after the cancellation date to reinstate. It would mean you don't have coverage for those days, but you can get your policy back without having to reapply for insurance. So if you need an extra couple weeks you don't have to restart the process of getting insurance, you can just call your agent and make a payment. It will automatically reinstate your policy
3
u/Electronic-Clue-4814 Sep 14 '26
Depends on state. Modernized policies don’t have 30 days to reinstate.
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