Our Service Commitment
Tell us if you have a service concern. We can review it with you, explain the available next steps and help you obtain the applicable written terms. A service request does not cancel a policy or guarantee a refund.
Cancellation and return premium are policy-specific
Policy cancellation and any return premium depend on the policy, insurer and applicable requirements. Ask for the effective date, earned premium, applicable fees and any premium-finance or lender balance to be explained before making a change.
A quoted price, a service commitment and a policy contract answer different questions. Before replacing coverage, confirm the new policy's effective date and any lender requirements. Ask for a written explanation of any cancellation calculation rather than assuming that every payment will be returned.
NAIC: return premium calculations follow policy provisions and applicable requirements
Original written service commitment
The original written TCDS service commitment remains available below. This explanation does not withdraw or amend an existing written promise. Contact TCDS to review the document that applies to your situation alongside your policy and billing terms.
The linked document is preserved in its original form. It contains historical marketing and carrier information; it should not be treated as the current carrier roster or as the terms of every insurance policy.
Read the original written commitment (PDF)
Get help with a service or coverage question
Discuss a service concern or call (205) 847-5616. To compare eligible new coverage, request a coverage comparison. A request is not proof of insurance.