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: Jun 21, 2019

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Insurance Question from Columbia, SC

Asked on 06/21/2019

insurer didnt notify scdmv my daughters policy not renewed and she never received a letter. She recently got in an accident and she never knew of this lapse.is my agent at fault? I feel the insurer neglected to notify the DMV and my daughter of auto insurance cancellation. What is their responsibility?

Answer given on June 24, 2019

If an auto insurance carrier is not intending to renew an automobile policy, they are required to send a notice to the last address of the policy holder.  Usually the notice required is around 30-60 days, each state and insurance company is different.  Some states require that the DMV be notified also, but it does not mean the DMV will contact the policy holder that the insurance was not renewed.

If you have not already done so, you should contact your agent and/or insurance company to ask 1) did they non renew the insurance, and why 2)was a notice sent, and who sent it and where.  They should have a record in their system as to when the notice was sent, and often times there is a copy of the letter sent.  If you are not satisfied with the answers you should contact the Dept of Insurance in your state to see if they can assist you.   In any event, if your daughter’s accident was not her fault, and her driving record is good, she should work on replacement insurance immediately.  She will have to advise of the non renewal but may be able to advise it to the new insurance company.


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