Just received a letter from my insurance provider

Why not just email a copy of the letter to the insurance company and let them answer if they sent it so you know if it is a scam or not? You posted a copy for us, so you apparently have a scanner or some means to send them a copy.

As for the age of the car, you wouldn't collect enough if it was totaled to justify the collision premium, and even if it's a minor repair, like a dented fender, you first have to meet your deductible, then the balance of the repair would almost surely be more than the car's book value, so it's still totaled for insurance purposes.
 
Have your agent contact the underwriter and get you the answer.

That’s part of his/her job and also part of why they are paid.

You may also want to speed things up by checking your account online by going to the insurer’s website and signing in. Your account should be available to you after signing in.
 

Oldeagle66 said:
Aren't there insurance offices in your area?
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I guess maybe? But the last two or three auto insurance companies I used were an online deal. Using Progressive now. I haven't had any claims, but have made numerous changes in the last couple of years. Their customer service number has always been quick and the people I talked to on the phone were very professional and helpful. Around $550 every six months for three cars, and one of those includes what they call ride share coverage.
 
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outlander said:
I guess maybe? But the last two or three auto insurance companies I used were an online deal. Using Progressive now. I haven't had any claims, but have made numerous changes in the last couple of years. Their customer service number has always been quick and the people I talked to on the phone were very professional and helpful. Around $550 every six months for three cars, and one of those includes what they call ride share coverage.
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Mine is all online too, with GEICO.

Full coverage on one vehicle, $750.10 every six months.

I do most things online but their customer service folks have always been excellent.

The roadside assistance, included in the coverage, is also very responsive.

I carry quite a bit more than the state required minimums but it gives me some peace of mind to know that I will be protected in the event of a catastrophic accident.

“I’m an excellent driver.” - Raymond Babbitt
 
outlander said:
I guess maybe? But the last two or three auto insurance companies I used were an online deal. Using Progressive now. I haven't had any claims, but have made numerous changes in the last couple of years. Their customer service number has always been quick and the people I talked to on the phone were very professional and helpful. Around $550 every six months for three cars, and one of those includes what they call ride share coverage.
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$1100 per year for 3 cars? OMG, that's a bargain for car insurance premium.
 
OldOld said:
$1100 per year for 3 cars? OMG, that's a bargain for car insurance premium.
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That's for 3 older cars. I got rid of my last ever newer style car in 2017, it was a sorry excuse for a real car. Can't stand how they have perverted new cars into unreliable distractions that all look alike and are built from parts that come from the lowest bidder/cheapest source.
 

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