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Why do I receive a late notice when I havent received my first bill?

late Notice received
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Why do I receive a late notice when I havent received my first bill?

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Please note that the down payment is due on the policy effective date. If we have not received your down payment by the policy effective date a late notice will be sent out. Additionally, you may receive a late notice on policy endorsements if we have not received payment prior to the effective date for the endorsement. Please remit the balance due by the date specified on the late notice to avoid assessment of late fees and cancellation of your policy.

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