my insurance monthly premium is $230.00 but some days ago, the insurance tried to collect a premium of $400.00 from my account and of cause it bounced. NSF. As a result my bank charged me a fee of $20.00. i did not receive any notification from the insurance company that my premium had been hiked. And there is no reason whatever for any kind of hike. I have had no accidents, no tickets etc. I called my insurance agent and asked him why. Not only could he not provide an anwser, he was very rude and almost hung the phone on me. Question: Is this legal? I have written a letter to them demanding they re-imburse me the NSF fee. Am I within my rights? What law or stipulations do i quote to them? What else can I do? i am extremely mad. Thank you.