can a insurance company cancel your plan without your knowledge

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 9, 2012

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Insurance Question from Calumet Park, IL

Asked on 05/09/2012

can a insurance company cancel your plan without your knowledge my company is say my plan was cancel on april 24th, my accident was april 20th, but I was in my free month at the time.When I called to report the accident they informed me I was not covered, I had to pay what they said was 44..00 to reinstate. My agency said I was covered, but the main ofiice siad I wasn't.

Answer given on May 18, 2012

If the insurance premium on your car insurance was past due, the insurance company is required to send you a notice of cancellation and give you 10-15 days to pay the premium. During this time your insurance would be in force so any loss would be covered. The insurance company could require that you pay the past due premium, so the policy could be properly reinstated, and then the insurance adjuster should handle the claim. You need to talk to your insurance agent to be sure the policy was still in force at the time of the loss, as they should have a record of when the policy was to cancel for non-payment of the premium. If you did not pay the premium by the 24th, then there would not be any coverage for the loss.Insurance policies provide the extra time to pay as required by the state. This is not a “free month” of insurance, but a part of a legal contract. You should not presume that the insurance is in force if you have not paid the premium on time, since you could fail to read the notice of cancellation and the date insurance is to cancel.

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