Does An Insurance Company Have To Say Why It Canceled Or Refused To Renew My Insurance Policy?

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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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UPDATED: Sep 15, 2020

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State and Company rules govern what process a Company must follow if they want to cutyou free from coverage and whether a reason for the cancellation or non-renewal must begiven to the policy holder.

In the event of a cancellation or non-renewal, the Company must mail a notice to theinsured. States vary from advance notice required, which can range from 10 to 45 days.

The most common reason for cancellation is non payment of premium, in which case theCompany will generally give a time leeway to pony up and make current the shortfall.Other justifiable reasons that your auto insurer will issue a letter of cancellation is thesuspension or revocation of your driver’s license, numerous traffic violations in a shortperiod of time or if the Company finds a material misrepresentation that was provided toget personal auto insurance coverage.

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