We've had a frustrating mix-up with State Farm. Basically, they insured my husband for 6 months without his paying anything. It wasn't intentional on the part of my husband or myself; our agent told us we didn't owe anything, or we would have paid months ago.
Now, however, they're wanting us to pay 00 for those 6 months as well as for the next 6 months.
We're not financially in a position to do this.
Our insurance agent told us that, at the risk of losing our business, he felt we should know that we're "ahead" at this point and that, if we left State Farm and went to another agency, State Farm would be unable to get the past-due money from us.
This seems like the logical thing to do at this point, but my concern is for our credit scores. Technically, can you owe an insurance company money? If he went six months without paying, why didn't they just cancel his insurance rather than running up a tab?
They're not a lender, so do they have the power to negatively affect our credit scores?
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