No notification of non renewal of an auto 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: Dec 9, 2017

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Insurance Question from Cornelius, OR

Asked on 12/09/2017

No notification of non renewal of an auto insurance policy My insurance company failed to inform me of a nonrenewal. The coverage ended on 11/27/2017. Last evening my vehicle was rear ended. The insurance company admitted that they never advised of of the non renewal. I only became aware of it when I called to report the accident. Aren’t they legally required to give me notice?

Answer given on January 02, 2018

If an insurance company is non renewing an automobile policy, they are required to send notice to the insured.  The usual notice is 30 or 60 days before the expiration date.  If they do not send proper notice then they should respond to the claim you submitted. 

You say the company confirmed they did not send notice. Hopefully you have the name of the person who said this as they could come back and say notice was sent.  Talk to a supervisor in the claims department to see if they will honor the claim since notice was not sent.  If  they refuse you may have to contact the Dept of Insurance for assistance in this claim.  However, you should immediately search for replacement insurance since your current company will send the proper non renewal notice quickly.  If your non renewal was due to claims or driving record you may have trouble finding replacement insurance so start searching right away.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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