Thank you, I was very upset earlier, but I have calmed down lol. I do see your point at the same time, I didn't drive the vehicle in the 24 hours though. And honestly, I feel it is stripping of free-will. If I choose to be dumb and do that, then I have to reap the consequences. However, because I simply switched and it's the insurance who take at least a day to make the policy effective. I shouldn't have to pay it all. I wanted to move to FL but I guess I am not now! LOL I am moving to NH, insurance is somewhat optional, depending on past accidents, tickets, etc.