General Policy – No Refunds – Patriots Insurance does not issue refunds. As an independent insurance agency, we are compensated by insurance carriers through agent commissions. We do not charge clients direct fees for consultations or policy placement. Because we do not collect payment from clients in the ordinary course of business, there is generally no payment to refund.
Agency-Billed Premiums – Occasionally, an insurance carrier requires that a policy premium be collected by the agency and remitted directly to the carrier on the insured's behalf. This is referred to as an "agency-billed" arrangement. Agency billing is infrequent and will always be disclosed to you at the time of application or policy issuance. When agency billing applies, Patriots Insurance collects the premium, transmits it to the carrier, and does not retain those funds as income or apply any markup.
No Independent Refund Ability – Because agency-billed premiums are transmitted directly to the insurance carrier, Patriots Insurance does not hold or retain those funds. As a result, we do not have the ability to issue a refund independently. Any refund must originate from the insurance carrier, not from Patriots Insurance.
Refund Process – If you believe a refund may be warranted — for example, due to policy cancellation, overpayment, or carrier error — please contact us at help@patriotsins.com. Patriots Insurance will contact the carrier on your behalf and advocate for the carrier to issue any applicable refund directly to you, the insured. We will always make every reasonable effort to facilitate this process on your behalf.
Carrier-Controlled Refunds – All refund decisions, amounts, and timelines are governed exclusively by the insurance carrier's own policies, your policy contract, and applicable state insurance regulations. Patriots Insurance cannot guarantee that a refund will be granted, nor can we control when or how the carrier disburses it. Pro-rata and short-rate refund calculations for cancelled policies are determined by the carrier, not by Patriots Insurance.
Agency-Forwarded Refunds – In the rare circumstance that a carrier issues a refund through the agency rather than directly to the insured, Patriots Insurance will forward those funds to you promptly upon receipt. We do not withhold or delay carrier-issued refunds.
Direct-Billed Policies – For the majority of policies, you pay the carrier directly and Patriots Insurance never handles your premium payment. For those policies, any refund request must be submitted directly to the carrier. We are happy to assist you in facilitating that communication upon request.
Your State Insurance Rights – Nothing in this Refund Policy limits or waives any rights you may have under applicable state insurance law, including any statutory cancellation rights. If you have questions about your rights under North Carolina law or the law of your state, we encourage you to contact your state's Department of Insurance.
Contact Us – For questions about this Refund Policy or to request assistance with a carrier refund, please contact us: Patriots Insurance | 100 Broad St, Oxford, NC 27565 | Email: help@patriotsins.com | Website: www.patriotsins.com | Schedule an appointment: www.patriotsins.com/start-here
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