- If you have prepaid premiums and have canceled your policy or it was rescinded, you are due a refund of your premiums for the time you were going to be uninsured. They just can't keep your money.
- The insurance companies have 25 days to return the money
- If you were at risk at the time where they had your premium you aren't entitled to any refund
- You can get a refund of your premiums if the insurance company committed fraud or misrepresentation (and I assume you don't have a claim against them)
- Acknowledgment in the policy of the receipt of payment is grounds for determination of acceptance of payment. After that, if you short pay or don't pay your premium, that's grounds for cancellation of your policy.
- 20 days before renewal it is the insurer's responsibility to warn you that your rates are going up
- Also your rates can't go up if you were in an accident but were not at fault. If they want to raise your rates they have to have an investigation into the accident to determine it was your fault. There isn't much more about what the investigation should entail though.
Link back to this post at California Insurance Quote