NY Car Insurance Canceling After Customer Service Gave Me Wrong Payment Info-HELP
I really need advice because I’m panicking.
I’m in New York, I’m a mom, and right now I’m on temporary unemployment from an injury, so money is extremely tight until I go back to work. My car insurance is over $630 a month because of my driving/insurance situation, and this is basically the only company that would even insure me right now.
This month I was behind, so I called customer service and was told that if I paid about $167 by May 8th, my policy would be extended and I’d be able to catch up later. I paid exactly what they told me.
Now I’m being told my policy is still canceling on Sunday anyway.
So now I’m freaking out because:
This is my only insurance option, I need my car to survive, I have kids, and I literally cannot afford to not be driving.
I don’t understand what happens next.
Do I have to pay the full overdue balance to reinstate it?
Will there be extra fees?
Can they reopen the same policy Monday?
How bad is a lapse in NY?
I also have family willing to help insure the car-but they live in Pennsylvania, so I don’t even know if being added to their insurance is possible.
I’m just trying to understand my real options because I feel completely overwhelmed and I cannot lose my ability to drive.