Hawaii senior nearly loses insurance

Published On: Mar 24 2014 07:46:29 PM HST
Updated On: Mar 24 2014 07:57:02 PM HST

A senior citizen's predicament could be a warning to all consumers to double check if your bill is paid electronically.

HONOLULU -

A senior citizen's predicament could be a warning to all consumers to double check if your bill is paid electronically.

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84-year-old Cipriana Luczon renewed her car insurance by phone. It is the first time she did not just mail a payment. Not long after that she got into an accident, but was told by her insurance carrier Hartford Insurance that her policy had been cancelled due to lack of payment.

With bills well over $10,000, Luczon and her niece said she was almost forced to sell her house or file for bankruptcy.

They turned to House of Representative Vice Speaker John Mizuno for help.

"I cannot pay that much for the bills that I receive. Only I get my social security. I don't know how I can produce that bill if they didn't cover me," said Luczon.

"Not just Cipriana, but all of us as consumers need to make sure we contact our bank and say, 'Did you really send off payment?' And triple check by calling back your insurance carrier and saying, 'I want to make sure it was posted, did you really get this,'" said Mizuno.

Mizuno's office contacted both Hartford and First Hawaiian Bank.

It turns out when Luczon gave her bank's routing number over the phone she included her check number. It ended up not getting posted electronically.

Mizuno says the company accepted a new payment and re-instated her insurance retroactively.

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