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?