Then later I hear back from them and it's not just the battery, the Ignition Switch and the ECM (the car's computer) are ALSO broken. Ugh! the guy tells me it would be about $2,000 to fix it! Yipes! Then I remembered that I had bought a Geico extra warranty, when I purchased the car. So I called them and luckily it hadn't run out yet, it was for 8 years and my car is 7 years old. So yay! Now all I have to pay is the deductible and the battery. Still expensive but much cheaper than paying for the whole thing! yay!!
After all that, I started on my journey of getting this homeowners insurance thing sorted out. I still don't understand how a company can just start a policy without your consent or needing to sign something. You'd think you'd have to sign something! When I got our insurance with Tower Hill after Allstate dropped us, Paul and I had to sign so many papers you'd have thought we were getting a mortgage! So it seems so weird that Allstate can auto-enroll us with Royal Palm without us needing to sign forms to consent.
I called Allstate and they tell me to call Royal Palm, then I call Royal Palm and they tell me to call Allstate! arrrrugh!! Finally I called my lender and told them if Royal Palm tries to get added to my escrow to deny them. Hopefully that might work. I will try again tomorrow, this is a phone call nightmare, I wonder if I will ever get it sorted out.
My parents had the same thing with Royal Palm when Allstate dropped them, but since they don't escrow their insurance, it was easier to resolve. Not as easy for us since they have all our lender information. What a nightmare! Tomorrow I will do battle again!
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Make sure that the next time you sign such an agreement you keep an eye out for a sole agreement or binding agreement clause. Knowing about this little detail can save you tons in the end. What this basically does is make sure that there is no way that the contract can be disputed or changed without having the changes put in writing that must be signed off on by both parties.
I'm sure everything will work out though.
And out of principle, you should file a complaint with the Better Business Bureau after it's all settled. If Royal Palms tries to get sassy with you, let them know that you'll be doing this.
OH! And make sure to get the name of EVERYONE you speak with and their badge number if they have one.