My question involves vehicle registration or title in the state of: Pennsylvania
In July, I was under contract to purchase a house and found that my best quote for homeowner's insurance was from State Farm, as long as I also switched my auto insurance from Nationwide to them. I filled out all the forms and paid State Farm under the expectation that the purchase would close, but unfortunately the deal fell through due to inability to come to terms on issues found in inspection. Therefore, I had no need to switch my auto insurance to State Farm. At no time did I cancel my pre-existing auto insurance with Nationwide.
However, after I notified my State Farm contact that unfortunately the deal had fallen through, he sent a notification of policy cancellation to Pennsylvania DOT. I did receive a request for proof of insurance from PennDOT in early September, but then my pregnant wife gave birth to our first child in mid September, and in the excitement / lack of sleep since then, I accidentally neglected to reply.
Today I've received a final notice that in 30 days, my registration will be suspended for 3 months, but that I have a right to appeal during those 30 days. What are my chances of winning and avoiding the 3-month registration suspension, given that I can prove that my insurance never actually lapsed? And what exactly is my first step -- to call PennDOT? To call my county Court of Common Pleas?
Thanks for your help!