Consumer Protection Law
Consumer Protection Law Questions? Ask a Lawyer Now.
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I am so sorry to read about your difficulties.
No, it is not legal. If it was okay to take your premium for 35 years when you were out of the zip code, they cannot all of sudden tell you that you are not covered because you are out of zip code. You need to file complaint against the company with your State's Department of Insurance/Insurance Commissioner for this unfair and deceptive act and practice.
You may also consider retaining the services of a local consumer Attorney to file lawsuit against the company for unfair and deceptive act and practice. Most consumer Attorneys would take a case on contingent fee basis. This means that the Attorneys may not charge upfront for their fees and would only get paid if they win the cases for the consumers. Even then most Courts award Attorney fees to prevailing consumers. So, you may not have to pay out of pocket to obtain a consumer Attorney to assist you with the case.
You can use the following sites to find local consumer Attorneys:
Goodluck with your case,