Verizon are crooks. They have been charging me for insurance for the past seven months although I had declined it. They even said it shows on my contract it was declined. However, they will only refund three month's worth of charges. I complained to the FCC. Verizon has done this before and been fined by the FCC for doing so. Verizon SUCKS
Be glad you are getting 3 months refunded - if you had caught this on the first bill you would not have had but one month to refund. Not realizing you are being charged for insurance for 7 months is on no one but you.