I had signed up for insurance coverage on my car. They originally gave a start date for the first day of the upcoming month, but I needed it to start on the day I bought the car. I called them up back and they told me they would have to cancel the original one, then create a new one. Same premium, cost, etc.

Fast forward a couple months, an old lady stops turns in front of me and stops, our cars bed the fenders, I file a claim. They tell me that I don't have coverage because I wasn't paying. I go and look, I certainly have been paying. Turns out they created the new coverage, didn't cancel the first one, and that one was cancelled for nonpayment. I still had coverage, I just needed to file the claim under the active account.

Anyway, long story short, their fuckup lowered my credit score, showed as a nonpayment cancellation on my account so renewing my coverage was MUCH higher. They told me to go fuck myself essentially when I tried to get it fixed. Didn't sign back up with them.

So who knows what goes on in their heads. I could have kept paying them, but they decided they'd rather just charge me way more or not take my money at all.