GLENS FALLS, NEW YORK -- I just turned 18 in November, so when I got my first car in July, I had trouble finding the cheapest company. I finally found a broker (Barry Scott, Central Ave) that put my into the NYS Insurance "pool", where I was picked up by Travelers at a nice $278 a month for minimum coverage (that was sarcasm by the way, but I'm a young male, I get it). My parents don't drive, by the way.
Problem number one soon occurs. Since I was under 18, I needed an adult to be co-signed on the insurance. I finally got my dad's name on the registration, something I didn't know was possible, and handed it in to the broker and got it faxed to Travelers. Ok, pretty stressful but I got through it.
Things went well for the next few weeks, around October, until I started getting letters from Travelers stating I owed $3,195 or I wouldn't have insurance, along with a letter from the DMV stating they never received my electronic binder...come to think of it, I never received PROOF OF INSURANCE. Whatever; A bit confused, I call my mom and she sends me receipts of her payments, in fact, she paid up until December 2011. I head to the broke and find out that Travelers picked up my Uncle on the policy (I live with my uncle, turns out he was picked up on the policy with no notice given at all).
The broker calls Travelers and they calmly explain how all they need is a copy of my uncles proof of insurance and he'll be removed and they'll send the electronic binder in the mail to the DMV (had to be done within 7 days or my license was to be suspended). Frustrated, but I got through it.
November 25th, today: I come home from working a stressful Black Friday to 2 lovely letters, one from Travelers stating I owe $446, an imaginary $446 might I add, since my Mom has paid up until January 2012, which she has proof from, and a letter from the DMV with the lovely words "Suspension Order" in bold and all capitals. Lovely timing to get the letter, with Travelers being closed on the weekend (can't call them) and the DMV being closed over the weekend (have to miss classes on Monday morning to head to the DMV to explain everything). I'm officially confused, as they send no letters explaining whats going on. Everyones lost, even my broker, yet my Mom has paid her money and my license is being threatned with suspension. Travelers, you really know how to turn a nice guy into a jerk. Happy Holidays, you confusing, greedy pigs. Never will I refer business your way and I'm changing companies as soon as possible.