For What Reasons Can The Company Cancel (Non-Renew) My Policy?

During the first 60 days the policy is in effect, the insurer may cancel for any reason, as long as they give you adequate advance notice. Once the 60 day period has passed, the insurer may cancel the policy mid­term if you: 1. Fail to pay your premium when due; 2. Commit fraud or material misrepresentation in applying for the policy or in making a claim; 3. Violate a term or condition of the policy; or 4. Have a driver's license suspension. The policy may be non­renewed if you or any driver residing in your household is convicted, within the last three years, of a serious motor vehicle violation (such as OUI or vehicular homicide), reckless operation of a motor vehicle, or has three speeding convictions. Non­renewal may also result if you and/or a driver under your policy is involved in two accidents in the aggregate that result in $500 or more in damages. There are some exceptions that prevent insurers from considering certain accidents. Your policy might also be non­renewed if there is a material change in the type of motor vehicle insured under the policy.

The information on this page is meant to provide a general overview of the law. The laws in your state and/or city may deviate significantly from those described here. If you have specific questions related to your situation you should speak with a local attorney.

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