If you'd like I'll move this thread to another spot on the forum as it is in a rather remote spot for the question. It's a very interesting question as folks pay a lot of money for these things and they do have real value. I have seen lots of advertising that the policy can be transferred to a new owner to add interest to a sale.
It is kind of an insurance policy and I simply don't know how it would be pro-rated by month or miles but suspect it's a final sale in the fine print. This would be of great interest in the case where a car is totalled and should be part of the value of the loss. I haven't purchesed one of these on anything and they seem to be offered on lots of things that you buy but by far an automobile is the second most expensive item routinely purchased by people.
This really doesn't involve the state's tax office directly that I can think of but it could be a taxable purchase sales tax wise and any refund of the tax part only would be based on your state's tax rules.
My gut tells me that the best this is, is transferrable and no refunds are possible at all.
You must have the original policy. What does it say in the fine print. Here I would contact the atty generals office and found out about any laws regarding refunds of unused pre-paid insurance costs.
I would consider this an insurance issue and read the policy and bring it up with the party you actually paid for this and you know they aren't motivated in you getting money back as they no doubt received a commission on selling it to begin with.
This must be a state by state regulated thing,
T
Tom Greenleaf - MetroWest Boston - USA
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http://www.autoacsystems.com/tomgreenleaf/
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