Subject: Oregon Sample Letter to Defendant — Repayment of Unearned Premiums Dear [Defendant’s Name], I hope this letter finds you well. I am writing on behalf of [Insurance Company Name] regarding the repayment of unearned premiums in relation to your insurance policy. We have recently reviewed your policy and determined that you are entitled to a refund for the remaining unearned premiums. After carefully assessing the policy, it has been determined that you have cancelled your insurance policy before its expiration date, thereby entitling you to receive a repayment for the unused portion. This refund is calculated based on the number of days remaining in the policy period for which you have already paid. We understand that sometimes cancellations can happen due to unforeseen circumstances or changes in insurance needs. However, the law in the state of Oregon requires us to issue a refund for any unearned premiums, ensuring that customers only pay for the coverage they used. According to our calculations, the total unearned premium amount determined for your policy is [Amount]. Please note that this amount may vary depending on the specific terms of your policy and the date of cancellation. We have enclosed a detailed breakdown of the calculations for your reference. In order to process the refund, we kindly request that you provide us with your current mailing address where we can send the refund check. Please verify the accuracy of the address provided below: [Defendant’s Name] [Address Line 1] [Address Line 2] [City, State, Zip Code] We will initiate the refund process promptly upon receiving your confirmation. The refund will be issued in the form of a check made payable to your name and mailed to the address provided. Please allow [timeframe] for processing and delivery. It is important to note that failure to receive a refund within the specified timeframe or failure to address any discrepancies with the amount refunded should be brought to our attention immediately. We aim to ensure ultimate customer satisfaction and will be happy to assist you further if needed. Thank you for your prompt attention to this matter. Should you have any questions or require additional information, please do not hesitate to contact our customer service department at [Customer Service Phone Number] or via email at [Customer Service Email Address]. We appreciate your cooperation in resolving this matter and value your continued trust in [Insurance Company Name]. Sincerely, [Your Name] [Your Title] [Insurance Company Name] Enclosure: Unearned Premium Refund Calculation Breakdown