So I have a question that's really stressing me out. Due to a combination of banking errors and health issues causing me to miss work, I'm behind on two payments to ICBC right now. My next payment is due tomorrow, which is super convenient because that's when I am being paid. The only problem is I'm not sure when the ICBC payment will come out (it tends to later in the day) and I'm not sure when my pay gets deposited.
So my questions are as follows:
1: I was told when I called ICBC that if a month's payment is not made within two months, then the account is locked. If this happens, would that mean I would be put on a cash-only basis, and would that amount have to be paid before tomorrow, or could I pay it before the payment automatically comes out and avoid having my account locked/closed/suspended.
2: I'm not certain yet exactly how much I am getting (I haven't gotten my paystub) and I also need to make rent. Would I be able to pay for the latest month's worth and then pay the remainder on my next paycheque or something, or does ICBC require that it be entirely paid off all in one go?
I'm stressing about this pretty badly because if I lose my insurance, I lose my job and I've got nothing I can do after that.
Thank you very much in advance!