My former insurance agent had signed me up to a very expensive insurance company in the area despite my clean driving record. This insurance company specializes in problem drivers, but I had no accidents or tickets on my record.

After paying very high premiums for several years I suddenly stopped receiving statements. When I called them to inquire about the lack of statements they informed me that I had been dropped due to failure to pay the premiums! I stated that I hadn't received any premiums lately, but they 'were sure they had been mailed'. Due to their incompetence I was driving without liability insurance for 2 months, a serious crime in North Carolina.

I dealt with this independent insurance agent for 4 or 5 years, at first they were very helpful and I recieved excellent service. Then for some reason I was moved to the much more expensive plan (they said it was the cheapest they could find for me!?) and then dropped because of their stupidity. I could have been arrested and thank goodness I wasn't in an accident
during those 2 months!