I went looking for E&O insurance and I checked out several sites, including NAPA. I was foolish enough to put in information that included a credit card with NAPA. I did this online when they were closed because they were the least expensive so I was sure I would end up with them. I chose another company I liked better. Unbeknownst to me, even though I only got a quote and never spoke directly to anyone, NAPA activated my account. To be clear, I went online, looked up a quote and filled in general info on the webpage but never actually sent it in any information to NAPA.
Over a month ago, I discovered the double coverage and immediately contacted them to request a refund and that's when the nightmare began. NAPA showed their true colors. Each time I spoke to someone, called back requested to speak to them again, they were never available. Each time I spoke to anyone they would give me different information. I was told to return a cancelation form which I did immediately (the form was sent to me several days after the call). I sent in what I thought was proof of insurance and when I called the third and fourth times, I was told that I could expect a refund no later than the twenty-sixth of July 2022. However, when I called today, not only was I told that there was no refund sent because they needed more information, but the policy was still active and would not cancel until August 2022!!
I am currently filing a complaint with the Department of Financial Services, the body which oversees all insurance companies. Everyone beware of this company! If there is ever a problem with your account, you will be treated very shabbily by NAPA. No wonder they are the cheapest! If this is how they perform when it comes to refunding money when there had been no authorization, I can't imagine how they would react when it comes to paying out a claim! I have to say that I am partially to blame. I should never put in my credit card until I was ready to activate and purchase insurance. If this is the way NAPA treats it's customers from the beginning, then I am extremely glad I never signed with them in the first place! LET THE BUYER BEWARE!!!
Over a month ago, I discovered the double coverage and immediately contacted them to request a refund and that's when the nightmare began. NAPA showed their true colors. Each time I spoke to someone, called back requested to speak to them again, they were never available. Each time I spoke to anyone they would give me different information. I was told to return a cancelation form which I did immediately (the form was sent to me several days after the call). I sent in what I thought was proof of insurance and when I called the third and fourth times, I was told that I could expect a refund no later than the twenty-sixth of July 2022. However, when I called today, not only was I told that there was no refund sent because they needed more information, but the policy was still active and would not cancel until August 2022!!
I am currently filing a complaint with the Department of Financial Services, the body which oversees all insurance companies. Everyone beware of this company! If there is ever a problem with your account, you will be treated very shabbily by NAPA. No wonder they are the cheapest! If this is how they perform when it comes to refunding money when there had been no authorization, I can't imagine how they would react when it comes to paying out a claim! I have to say that I am partially to blame. I should never put in my credit card until I was ready to activate and purchase insurance. If this is the way NAPA treats it's customers from the beginning, then I am extremely glad I never signed with them in the first place! LET THE BUYER BEWARE!!!
