Farmers Insurance Renewed my Annual Policy without my Authorization

[Account Closed]

in today's mail i received both a 'Renewal Offer' and in a separate envelope a 'Notice of Cancellation of Insurance' with a 'Past Due' bill demanding $600 plus $10 late fee.

since my policy with Farmers ended April 30 and I was unhappy with their rates, as of may 1 i switched to Amica and was told i don't need to cancel my old policy as it expired.

some nerve farmers has to mail a renewal offer yet renew it without my auth and already apply $10 late fee barely 10 days into if i had let it renew.

i've had other issues with farmers which i could go on and on about, for instance they doubled my auto insurance premium because my discount affiliation letter listed the dates i was active with the organization but was missing a date it was signed by the officer, etc, ridiculous stuff; suffice it to say, farmers? NEVER again

but my q is what recourse do i have with farmers  i mean are they allowed to automatically renew my policy then mail me an offer to renew it then on top of it charge $10 late fee and demand payment for the renewed policy even though i signed up with amica for may 2015 to april 30 2016?

[Mindy Jensen]

When you say they automatically renewed, did they collect any money from you? Did they charge a card for the total, or did they just send you a bill? 

If you didn't give them any money, toss the bill. They will just not pay for any claims you make, and if you already have insurance, that doesn't matter.

If they did charge your card, call them up to cancel, or dispute the charge with the issuing bank.