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Division Director

Sha'Ron James


Division of Rehabilitation and Liquidation
Alexander Bldg.,
2020 Capital Circle SE, Ste. 310
Tallahassee, FL 32301
1-800-882-3054
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Return Premium Information

I am a Vanguard policyholder whose policy was cancelled when the company was placed into liquidation. When am I getting my unearned premium refund?

The Florida Insurance Guaranty Association ("FIGA") mailed out unearned premium refund checks in May 2007. A $100 statutory deductible was taken from unearned premium refunds that were greater than $100. If your premium refund was less than $100, you did not receive a refund check from FIGA.

All $100 statutory deductibles on unearned premium claims and unearned premium claims that are less than $100 are a claim against the estate of Vanguard. The Receiver has received court approval to deem all unearned premium claims as timely filed. This means that unearned premium claimants have a claim in the Vanguard estate without having to file a proof of claim form or file electronically using ClaimNet. To view a copy of the order approving the deem filing of your unearned premium claim, click here.

I have received an unearned premium refund check but I don't understand how the return premium was calculated. What do I do?

Unearned premium calculations were made by Receiver using a formula to pro-rate your premium according to the number of days that your policy was in force prior to it being cancelled April 25, 2007 due to the liquidation court order (or prior to April 25, 2007 if it was previously cancelled).

I am owed a unearned premium refund but have not received a check. What do I do?

In May 2007, unearned premium refund checks were processed and mailed to all known policyholders that were owed unearned premium which exceeded $100. If you feel you are owed a unearned premium refund check but did not received one or if you have other questions about the status of your unearned premium claim, you may contact the Receiver using our "Contact Us" form or by calling the Receiver at #850-413-3081 (toll-free to Florida residents by calling #800-882-3054).

How do I file a claim for the $100 deductible or for a return premium claim that is $100 or less?

The Receiver has received court approval to deem unearned premium claims as timely filed. This means unearned premium claimants have a claim in the estate without having to file a proof of claim form or file electronically using ClaimNet. To view a copy of the order approving the deem filing of your unearned premium claim, click here.

When will I receive payment of my $100 deductible or return premium of $100 or less from the estate of Vanguard?

The receivership process is lengthy and typically takes several years to complete. Your claim may be paid on a pro-rata basis, to be determined by available funds, after all legal and collection activity has ceased.