These are my general thoughts. Please read your policy to get a better idea of the situation.
Originally Posted by JetDoc
...I do not believe I would have agreed to decline such coverage on my motorcycles in the first place.
Uninsured Motorist Coverage (UMC) compensates you for BODILY INJURY or WRONGFUL DEATH when those are sustained by way of an uninsured motorist. UMC generally does not
cover damages to your bikes, except in limited circumstances and in limited amounts. Usually, your comprehensive will be the operative coverage for the property damage, and UMC (if it applies) covers the comprehensive deductible.
Since I have good medical insurance, my need of UMC is lessened and I declined it. This might have been your thought process when you declined it, too (assuming you did).
Even if I had agreed to it, why is the company waiting FOUR MONTHS to bill me for this coverage?
In CA (which NV often follows), UMC is implied in every auto policy and is ony taken out of the policy when you give a waiver. If NV is similar, then Markel was likely billing you at the non-UMC premium while waiting for your waiver forms. Once they figured out you weren't going to send in the waiver, they billed you for the full-UMC-required policy premium.
If your review of your policy and consultation with Markel reps indicates that it's the right thing for you, you should consider just faxing them your waiver and asking that you not be billed that $256.
Has anyone else had such a problem from this company?
I've done work for Markel, and they appear to be a stand-up company. I do not think they're trying to hoodwink you on this one.