You are correct Mr F and you got the truth most of the time? We are allowed to run LIS and credit prior. The MVA report does cost money. I have a way to get driving records through another service we offer. I don't like wasting people's time same as I don't like them wasting mine. More than enough have selective memory loss when it comes to their driving records. That's why I do it the way I do it. My suggestion is meant to cut through the BS. I've never liked the fact first you get a "quote" and then you get a whole other rate when you actually run things.
As for the original question. If you do owe an outstanding balance on your policy when you terminate it Allstate will put the amount into collection. I'm not sure what happened exactly in your case highpower that's why I suggest you call me so I can look into it. If we screwed up I can help you with that. If it is in fact correct I can explain it to you.
Pat