[Your Name] [Your Address] [City, State, ZIP] [Date] [Defendant's Name] [Defendant's Address] [City, State, ZIP] Subject: Repayment of Unearned Premiums — West Virginia Sample Letter to Defendant Dear [Defendant's Name], I hope this letter finds you well. I am writing to discuss the matter of repayment of unearned premiums owed to [Insurance Company Name] as a result of the cancellation of your insurance policy [Policy Number] effective [Cancellation Date]. As per the terms and conditions outlined in the insurance policy agreement, the unearned premiums are refundable upon cancellation. Upon reviewing your policy statement, it is evident that you have made an overpayment of premiums which entitled you to a refund of $[Amount]. The unearned premium arises due to the cancellation of the policy prior to the expiration date, as you had made arrangements to terminate the coverage prematurely. According to the laws and regulations set forth by the West Virginia Insurance Commissioner, it is imperative that unearned premiums are returned promptly following the policy cancellation. Failure to comply with this requirement may result in legal consequences, affecting your credibility and credit history. We kindly ask that you remit the above-mentioned amount of $[Amount] within [Number of Days] days from the receipt of this letter. Please note that failure to provide the repayment within the specified timeframe may result in additional penalties in accordance with West Virginia insurance regulations. To facilitate the repayment process, we have provided the following payment options: 1. Check or money order payable to [Insurance Company Name] [Insurance Company Address] [City, State, ZIP] 2. Electronic funds transfer (EFT) payment: Bank Name: [Bank Name] Account Name: [Account Name] Account Number: [Account Number] Routing Number: [Routing Number] Please ensure that the payment includes a clear reference to your policy number to ensure proper allocation and processing. Once we receive your payment, we will promptly issue the refund and notify you via email or mail. In the event that you have any questions or concerns, please do not hesitate to contact me directly at [Your Phone Number] or via email at [Your Email Address]. We are committed to resolving this matter amicably, and your cooperation is greatly appreciated. Thank you for your prompt attention to this matter. We trust that you will take immediate action to fulfill your obligation. Failure to comply may result in further legal actions to enforce the refund owed. Sincerely, [Your Name] [Your Title] [Insurance Company Name]