Scratch and Dent

I signed up for a month-to-month policy with this insurance company, starting 28th of November, they say. However, I didn’t the inspection on the 2nd of December, which they officially deducted the first payment that day. Since then, I’ve paid reliably each month (set payment date is the 25th): December 24 (for January), January25 (for February), and February 25 (for March). That’s four payments total, including the initial one, covering me through March.

Now, when I try to make a legitimate claim, they’re refusing to process it unless I make a fifth payment for March AGAIN. Their ad claims my payments are “backwards” (covering future months), but their policy clearly states month-to-month coverage. Despite my payments aligning with this, they’re insisting I owe another for March, even though February already covered it.

This is misleading billing at best and a barrier to claims at worst. Avoid 1st for women customer service and unfair practices.