Q: Is non renewal of auto insurance like this allowed in California?
I had full coverage insurance. My policy was auto renewed last October and was on auto pay. I just found out they didn't renew it in April and have been without insurance for a couple months now and was involved in a fender bender (which is how i found out it was cancelled). I called to inquire and they said they sent me an email requesting some updated info last October, but I didn't receive anything. I told them if I had received it, I would have gladly given them whatever they needed and then asked how many times they tried to contact me or if they called. I was told they only sent the one email and there was nothing that could be done at this point because I didn't respond to the one email they supposedly sent me 8 months ago. Are they able to do that?
A: In order to answer the question, it requires more information such as if there was a broker/agent involved as well, the policy language, any autopay agreements, etc. However, I will say that an insurance company is obligated to provide notice of cancellation due to non-payment of premium, pursuant to the California Insurance code. Their failure to provide such notice may possibly void any alleged policy cancellation by the insurance company.
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