Allstate canceled my car insurance for non-payment. Will they send my account to a collection agency?

I had Allstate for two years, but I missed my last two payments and they canceled my policy. Will they send my account to a collection agency? Should I pay them even though the policy is already canceled?

Answer provided by
Shannon Martin
Answered on Apr 14, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“The answer depends on your payment schedule and where the cancellation date falls in relation to how much premium has been paid.
If Allstate kept your coverage in force beyond the date that you were paid through, you may still owe some money for this coverage. Insurance companies refer to this as “earned premium.”” This usually happens when changes have been made to the policy and then it is canceled before they are paid for.
Your cancellation date should coincide with the date you have already paid to. Call Allstate to confirm, but you may not owe anything. If you do, try to make these payments to avoid collection efforts.
If you have a lapse in insurance and are unable to reinstate your coverage, you can get car insurance quotes online and start a policy right away. “

Did this answer help you?

Ask us a question by email and we will respond within a few days.

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies