What are my rights as an "additional named insured" under the terms of a fire policy as they relate to a cancellation notice?
Question Details:
I have a certificate of insurance from the agent but never received a notice that the policy had been cancelled. Note that I am an additional named insured, not just a certificate holder.
This question brings up a very interesting topic in the field of insurance law: the notification rights of additional insureds when a policy is cancelled. Certain states have codified the law as it relates to additional insureds. California comes to mind where the insurance code states that notification must by given to the policy holder "and others"and case law has interpreted that to mean additional insureds. What happens in practice, though, can often be a different story. I would call you state Department of Insurance and discuss the issue with them. They will be able to let you know tright away what your rights are in this situation and what you can do to rectify the situation based upon your involvement. Good luck.
