Like a good neighbor, (customer experience)
So, when I bought my condo, I of course got homeowner's insurance, as was required by the mortgage (as well as common sense). My mortgage was set up to pay the insurance via escrow account. Then my mortgage got sold to Wells Fargo. The escrow account details did not get transferred, so the insurance never got paid for.
I didn't know about this until two weeks after the due date, when the insurance agent's office called me to let me know it was past-due. So I immediately investigated what was going on and found out the escrow account hadn't been transferred. Fine. So I set up an electronic bill payment as soon and had the payment sent as soon as I could. For the next two days, the office kept on calling me letting me know my account was still past-due. Incredible. I let them know about the situation and that the payment was already on its way.
Fast forward another week and a half later, when I finally get, in the mail, a notice of imminent policy cancellation, dated August 27. Addressed to my old apartment, which was not, you know, the property being insured or anything (it was the initial contact address when I got the policy quote but that's it). So I immediately tried to check whether my policy was active and paid for and so on on the State Farm website. And, apparently, State Farm doesn't see this as a useful thing to do; there's plenty of information about what my annual premium is, but nothing about actual payments posted. It does say that the next renewal date is September 2009 but that often just means that "assuming the payment gets posted, this is when the renewal will happen."
Oh, and meanwhile, to register for the website, I had yet another fun experience with a whole bunch of questions I had to fill out which were along the lines of "what is delicious." Even if most of them ever applied to me, how the hell am I supposed to remember the last name of my first teacher (grade schol? preschool? how was it spelled?) or the middle name of my oldest grandchild or whatever? The name of the street I was born on? What the hell!
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