Tuesday, August 5, 2008

F*cking Insurance Agency

I desperately need to vent or I might just run off screaming into the woods.

When we got home from work yesterday, we finally got our semi-held mail from our vacation ("semi-held" because three days of it was delivered while we were away for no discernible reason) and found within it two notices from the RMV alerting us to the fact that our car registrations would be cancelled two weeks from the date of the notice because our (as-far-as-we-knew fully-insured) cars were not insured. The notices came the day after we left. So the two week grace period ended before we got the notices. Apparently, when we added the new car to our insurance policy last month, the grossly incompetent insurance agent decided to cancel the insurance on both cars instead. And failed to notice or do anything about it. So the entire time we were away we were driving an uninsured vehicle. Had we been in an accident and hurt someone, we could have lost everything we have (and in turn would have sued the insurance agency for everything they have).

I spent my morning (post-my 34 week appointment, which was thoroughly uneventful -- urine sample, weight check, bp check, heartbeat check, fundal height measurement, position check (head down)) on the phone (read: on hold) at various points with the insurance agency, the RMV, and the insurer. I'd like to put it out there that I think the woman I spoke to at the insurance agency is a gigantic lying bitch-whore-wench. She said she spoke to the insurer, who said it was their fault, that they had sent the wrong thing to the RMV and would be correctly immediately. I knew this couldn't be true, since the insurance payment we made shortly before we left was refunded into my bank account while we were away, making clear that our insurance had in fact been cancelled (though of course I didn't discover this until we got home and got our awesome notice from the RMV). This was confirmed when the RMV said no correction had been made. Furthermore, the insurer said they hadn't spoken to anyone at the insurance agency and that the only person who could figure out what happened was at lunch and that they'd call me back. When it started to become apparent that no one from the insurer was planning to do so before the close of business, I called them and was told that she had gone home. Evidently the underwriting department closes at 4:30. I then called the insurance agency again, but no one answered, even though they are supposedly open until 6. No one has called me back. And finally I burst into tears.

Honestly, this wouldn't be such a huge f*cking problem were it not for the fact that I'm 8 months pregnant and tend to pass out when riding the bus in the morning. And now I have to take the bus to work since we don't have a registered, insured car in which P can drop me off on his way to his office, as he has for the past couple of months (I take the bus home -- I mainly seem to have fainting issues in the morning). And I can't even switch insurance companies (as I have every intention of doing, especially since I got a lower rate quote today) until this gets resolved since it will look as though I had a gap in coverage, raising the rate. If it isn't resolved by close of business tomorrow, we have to rent a car, since we have our hospital tour and meet the doctors extravaganza tomorrow night and I can't bear the thought of spending my evening on public transit trying to get there and back, especially since the only buses that run to our house start going to once an hour at 7:30.

I have felt tremendously on edge ever since the bad thing that happened on the way home from vacation on Sunday and this is seriously not helping. NOT HELPING AT ALL.


Meghan said...

What a pain in the ass. I hate all things related to insurance and DMV's. They always manage to mess it up, and it always ends up being your problem. Hope it gets resolved soon and you don't have to take the bus!

mo*reezy said...

That sucks big huge loads of crap. I am so so sorry that all that happened, and I hope it gets resolved lickety-split.

Jen said...

Oh, my goodness. That majorly sucks. Our health insurance randomly canceled my husband's policy once and I didn't find out for weeks. We would have had to sue them too, if they didn't fix it. He's diabetic and that would have caused him to not have anything covered because of a lapse in coverage. I spent days on the phone working it all out.

Ms. Infertile said...

Sorry you are having to deal with idiot insurance agencies. Hopefully it will all be straightened out soon. You don't need something like this to stress over.
Glad to see you are back from vacation and otherwise doing well.

Nicky said...

Wow, that is seriously messed up. You'd think I'd be used to it, but I am still continually amazed by crappy customer service and the ineptitude of people hired to solve problems.