When cancelling auto or home insurance, the refund is prorated depending on when, in the billing cycle it’s cancelled. The billing date does not always coincide with the effective date of when the policy was originally established. Sounds complicated, no worries, your insurance company will always send out a final billing statement that outlines how the refund was calculated and for what dates the coverage was prorated for. Depending on the carrier, a refund can be dispersed via the bank account
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