Kyle Rogers9 said:I think anyone putting their signature on anything is obligated to read it first.
I signed up for CO online and the contract arrived by mail. This year, when I wanted to cancel, I went back and read the agreement again and found that clause stating I had to notify them three months in advance.
That is quite possibly the dumbest take from a customer I've heard. If we're going to argue about fine print when standard business practice is doing something completely different, then it's just deceptive—regardless of whether someone nudged you to sign. Let's be real: where is anyone supposed to find the time to read the full terms and conditions for every single insurance policy? Just because you have nothing better to do at home doesn't mean everyone else has the luxury of sitting around reading legal jargon.
When I canceled my supplemental coverage through Medicare, I was actually pleasantly surprised, which isn't saying much since you're dealing with a government agency. They also have a three-month notice period, but when I called them, the guy told me all that mattered was submitting the cancellation request by the day before the policy expired, and they'd process it. That's exactly how it ended up working out.
Back when I needed confirmation from GEICO that I wasn't covered under Medicare anymore, they rushed the paperwork to my house via mail. I fully expected it to drag on for a month, but they were lightning fast.
Once my GEICO policy runs out, I'm heading back to Medicare. At $67 a year, it's just not worth the headache of juggling extra bills or wasting my time driving to local offices just to get a refund. Luckily, I don't see a doctor often enough for it to matter.
And besides, it's exactly those kinds of situations where you really don't want some tiny line of text you signed to screw you over when you actually need to cover costs!