In 2008 I decided to sell my old beater of a car, so I let my auto insurance policy lapse while I put it up for sale. The policy ended, I sold the car, and that was that.
Today – nearly two years later – I got a letter from my old auto insurance company offering to sell me some car insurance based on the terms of my old policy. (FWIW I no longer have a car, so this post is entirely academic.) They laid out three options. The first one had me really scratching my head.
They offered to sell me a 60-day coverage extension *beginning from the cancellation date of my old policy. That was 8/2/2008! *
HUH???
If I had no mishap or accident with the car in the 60-day period – which I didn’t – why would I be interested in ex post facto coverage (my term)? Likewise, if some claimworthy event did happen in that period, wouldn’t it be too late to deal with now?
This is the craziest thing I ever heard of. What’s going on here?