The details reveal a tangled timeline. De Los Santos had a State Farm policy running from Sept. 27, 2021, to March 27, 2022. When State Farm raised his premium, De Los Santos decided to switch to Allstate. On Sept. 28, 2021, he visited Powell Insurance Agency, Inc. to apply for an Allstate policy. He handed the agent a check for the first premium and authorized monthly withdrawals from his Citizens Bank account for future payments.