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Cancellation / nonrenewal issues

060020-00

Improper nonrenewal procedures
One of my companies sends out nonpayment cancellation notices before the premium is due, as part of its billings. This is very confusing to our......

060036-00

Nonpayment—bad check, renewal
We have an auto insurance customer who paid his renewal premium with a check that bounced. When the company finally figured out the check had......

060095-00

Nonrenewal and cancellation notices
What information must accompany nonrenewal and cancellation notices if the reason for the company action is losses?...

060100-00

Cancellation of auditable policies
Can an auditable policy be canceled for nonpayment of the audit premium due on a prior year’s policy?...

060112-00

Cancellation of a premium-financed policy in Connecticut
A premium-financed policy was canceled and the insurer imposed a short-rate penalty. We thought the insurer could not do that, if canceled by......

060121-00

Permanent storm shutters
Is there a law prohibiting homeowners insurers from refusing to issue or renew a policy solely due to lack of permanent storm shutters?...

060130-00

Conditional renewal—increase in deductible
My insured’s policy was recently renewed, but with a new exclusion, an increase in the deductible and lowered coverage. Can the company do......

060135-00

Refusal to write based on applicant’s age
In Connecticut, an insurer which writes a homeowners or personal auto policy is refusing to write a personal umbrella policy on the basis of the......

060139-00

Advancing premium
I did a friend a favor by advancing the annual renewal premium on his homeowners policy. It’s been two months. He hasn’t repaid me and......

060149-00

Special conditional renewal notice—premium increases
What is the premium increase that triggers a special conditional renewal notice or any special obligations of the agent?...

900240-00

Which agent should sign the ACORD 35
When a client decides to change from one policy to another—firing the old agent and hiring a new agent—which agent should complete the......

900281-00

Cancellation at policyholder’s request—effective date
Is a company required to cancel flat when the policyholder presents evidence that another policy was obtained for the same risk, and became......

900297-00

Back dating a policy
After two years of a policy being in force, can an insured request to back date cancellation two years. The insured has stated he has a duplicate......

900423-00

Nonpayment cancellation gap prevention
How does the effective time for nonpayment cancellation affect a policyholder who intends to make the payment on the cancellation date?...