Legal Question in Insurance Law in New Jersey

Change of Address dispute

-I moved from NJ to VA on May 1 2005. I notified my car insurance company on May 17 2005. The plan expired on July 1, 2005 and I chose not to renew the policy. I called the insurance company at least once after May 17 2005 and asked again upon cancellation if I owed any further fees. I was always told ''No.''

-On July 11, 2005 I get a bill from the insurance company telling me the remainder of what I owe, unless I can send them a declarations page of a policy that began before 7/1/05. When I called the company, they said the money is the increased rate for living at my new address from 5/17/05-7/1/05. If I can prove I was paying insurance to somewhere else, they'll waive it.

- It makes sense that there would be a difference between the price of the coverage in one state to another. I only wonder if I have a basis for objection because: 1) I asked repeatedly during the time I was their customer to let me know how much was still owed and they repeatedly told me nothing, now two weeks later I suddenly do owe money. 2) Their offer to waive the fee if I was paying another company during that time (That seems strangely benevelent for a private company).

Thanks!

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