I initially paid a little more than $200 to start ...

I initially paid a little more than $200 to start a policy with full coverage and was assigned to American Alliance. The policy was set to expire in July, but after dealing having issues such as being sent Notice of Intent to Cancel my insurance letters if my payment was one day late, not being able to reach them to report an accident because they were closed, and overall wanting to go with a reputable company, I switched to Geico earlier this month. As a result of having new coverage I was under the impression that I would be refunded the unused money for the policy. Long story short they have attempted to avoid refunding me, and when speaking to John who is supposedly the top manager, he even claimed that it's probable that I owe them money although the policy was canceled. Currently I'm awaiting documents to turn into an attorney so as to make sure I've gotten refunded.