What is a non-renewal notice?

““Nonrenewal” means a notice by the insurer to the named insured that the insurer is unwilling to renew a policy.”

“this section applies to all policies of insurance: (i) except for: (A) life insurance; (B) accident and health insurance; and (C) annuities; and (ii) if the policies of insurance are issued on forms that are subject to filing under Subsection 31A-21-201(1).”

“a policyholder has a right to have the policy renewed: (i) on the terms then being applied by the insurer to similar risks”

“at least 30 days before the day on which the policy expires or completes an anniversary, the insurer delivers or sends by first-class mail a notice of intention not to renew the policy beyond the agreed expiration or anniversary date to the policyholder at the policyholder's last-known address”

“the policyholder has: (A) accepted replacement coverage; or (B) requested or agreed to nonrenewal; or (iv) the policy is expressly designated as nonrenewable.”

“an insurer may not cancel an insurance policy before the earlier of: (A) the expiration of the agreed term; or (B) one year from the effective date of the policy or renewal.”

“if the insurer offers or purports to renew the policy, but on less favorable terms or at higher rates”

“Unless the conditions of Subsection (4)(b)(iii) or (iv) apply, an insurer may not fail to renew an insurance policy as a result of a telephone call or other inquiry that: (i) references a policy coverage; and (ii) does not result in the insured requesting payment of a claim.”

“an insurer may not fail to renew the following personal lines insurance policies solely on the basis of: (a) in the case of a motor vehicle insurance policy: (i) a claim from the insured that: (A) results from an accident in which: (I) the insured is not at fault”

“If a notice of cancellation or nonrenewal under Subsection (2)(c) does not state with reasonable precision the facts on which the insurer's decision is based, the insurer shall send by first-class mail or deliver that information within 10 working days after the day on which the insurer receives a written request by the policyholder.”

“An insurer that gives a notice of nonrenewal or cancellation of insurance on a motor vehicle insurance policy issued in accordance with the requirements of Chapter 22, Part 3, Motor Vehicle Insurance, for nonpayment of a premium shall provide notice of nonrenewal or cancellation to a lienholder if the insurer has been provided the name and mailing address of the lienholder.”

“Cancellation for nonpayment of premium of a commercial lines policy is effective no sooner than 10 days after delivery or first-class mailing of a written notice to: (A) the policyholder; (B) each assignee of the policyholder, if the assignee is named in the policy; and (C) each loss payee or mortgagee or lienholder under property insurance of the policyholder, if the loss payee, mortgagee, or lienholder is named in the policy.”

“If we elect to not renew this policy, we will mail, by first-class mail, written notice of nonrenewal to the first Named Insured, at the last mailing address known to us, at least 30 days before the expiration or anniversary date of this policy.”

“We need not mail this notice if: a. You have accepted replacement coverage; b. You have requested or agreed to nonrenewal; or c. This policy is expressly designated as nonrenewable.”

“This chapter and Chapter 22, Contracts in Specific Lines, do not apply to: (a) an exemption provided in Section 31A-1-103; (b) an insurance policy procured under Sections 31A-15-103 and 31A-15-104;”

“when this state is the home state as defined in Section 31A-3-305, a nonadmitted insurer may make an insurance contract for coverage of a person in this state and on a risk located in this state”

“any person seeking insurance may obtain it from an unauthorized insurer if no producer resident doing business in Utah is involved and if negotiations occur primarily outside Utah.”

“This section applies only to policies of insurance of commercial insurance that are subject to Sections 675.5 and 676.6.”

“An insurer, at least 60 days, but not more than 120 days, in advance of the end of the policy period, shall give notice of nonrenewal, and the reasons for the nonrenewal, if the insurer intends not to renew the policy, or to condition renewal upon reduction of limits, elimination of coverages, increase in deductibles, or increase of more than 25 percent in the rate upon which the premium is based.”

“A notice of nonrenewal shall be in writing and shall be delivered or mailed to the producer of record and to the named insured at the mailing address shown on the policy.”

“If an insurer fails to give timely notice required by subdivision (c), the policy of insurance shall be continued, with no change in its terms or conditions, for a period of 60 days after the insurer gives the notice.”

“The named insured has obtained replacement coverage or has agreed, in writing, within 60 days of the termination of the policy, to obtain that coverage.”

“Legal liability of any person for loss of, damage to, or injury to persons or property, arising from the conduct of a commercial or industrial enterprise.”

“Automobile insurance covered by Section 660 and property insurance covered by Section 675.”

“Surplus line insurance, which is nonadmitted insurance as defined in subdivision (m) of Section 1760.1.”

“insuring a single individual or individuals residing in the same household, as named insured, and under which the insured vehicles therein designated are of the following types only”

“At least 30 days before expiration, a written notice of nonrenewal of the policy, including the statement required by Section 666.”

“"Liability insurance" means: (A) general liability insurance; (B) professional liability insurance other than medical professional liability insurance; (C) commercial automobile liability insurance;”

“"Insurer" means an insurance company or other entity admitted to engage in business and authorized to write liability insurance or commercial property insurance in this state”

“An insurer may refuse to renew a liability insurance or commercial property insurance policy if the insurer delivers or mails written notice of the nonrenewal to the first-named insured under the policy at the address shown on the policy.”

“The notice must be delivered or mailed not later than the 60th day before the date on which the policy expires. If the notice is delivered or mailed later than the 60th day before the date on which the policy expires, the coverage remains in effect until the 61st day after the date on which the notice is delivered or mailed.”

“In a notice to an applicant or insured relating to declination, cancellation, or refusal to renew, an insurer must state the reason for the declination, cancellation, or nonrenewal. The statement must comply with: (1) Sections 551.002(b) and (c);”

“(1) state the precise incident, circumstance, or risk factors applicable to the applicant for insurance or the policyholder that violates any applicable guidelines; (2) state the source of information on which the insurer relied regarding the incident, circumstance, or risk factors;”

“the transfer of a policyholder between admitted companies within the same insurance group is not considered a refusal to renew.”

“A change to a liability insurance or commercial property insurance policy provision on renewal is not a nonrenewal or cancellation under this subchapter if the insurer provides the insured with written notice in accordance with this section”

“A covered policy shall remain in full force and effect pursuant to the same terms, conditions and rates unless written notice is mailed or delivered by the insurer to the first-named insured, at the address shown on the policy, and to such insured's authorized agent or broker, indicating the insurer's intention: (A) not to renew such policy”

“to condition its renewal upon change of limits, change in type of coverage, reduction of coverage, increased deductible or addition of exclusion, or upon increased premiums in excess of ten percent”

“shall contain the specific reason or reasons for nonrenewal or conditional renewal, set forth the amount of any premium increase”

“The notice required by paragraph one of this subsection shall be mailed or delivered at least sixty, but not more than one hundred twenty, days in advance of the expiration date of the policy”

“In the event that a late conditional renewal notice or a late nonrenewal notice is provided by the insurer prior to the expiration date of the policy, coverage shall remain in effect, at the same terms and conditions of the expiring policy and at the lower of the current rates or the prior period's rates, until sixty days after such notice is mailed or delivered”

“In the event that a late conditional renewal notice or a late nonrenewal notice is provided by the insurer on or after the expiration date of the policy, coverage shall remain in effect on the same terms and conditions of the expiring policy for another required policy period”

“"Required policy period" means a period of one year from the date as of which a covered policy is renewed or first issued.”

“Paragraphs one, two and three of this subsection shall not apply when the named insured, an agent or broker authorized by the named insured, or another insurer of the named insured has mailed or delivered written notice that the policy has been replaced or is no longer desired.”

“a policy of private passenger vehicle insurance as defined in section 65B.001, or a plan of reparation security as defined in section 65B.48 insuring less than five vehicles rated on a commercial or fleet basis”

“No insurer shall fail to renew an automobile insurance policy unless it shall mail or deliver to the named insured, at the address shown in the policy, at least 60 days' advance notice of its intention not to renew. The notice must contain the specific underwriting or other reason or reasons for the nonrenewal.”

“notwithstanding the failure of an insurer to comply with this section, the policy terminates on the effective date of any other automobile insurance policy procured by the insured, with respect to any automobile designated in both policies.”

“The grounds for nonrenewal of an entire policy are limited to one or more of the following reasons:”

“A commercial auto policy governed by these parts may be nonrenewed if the insurer ceases writing a selected classification and all insureds in the classification are nonrenewed.”

“A nonrenewal notice must be on a form approved by the Department of Commerce and it must contain on the front of the notice specific reasons for the nonrenewal”

“sections 60A.35 to 60A.38 apply to all commercial liability and/or property insurance policies issued by companies licensed to do business in this state except ocean marine insurance, accident and health insurance, excess insurance, surplus lines insurance, and reinsurance.”

“At least 60 days before the date of expiration provided in the policy, a notice of intention not to renew the policy beyond the agreed expiration date must be made to the policyholder by the insurer. If the notice is not given at least 60 days before the date of expiration provided in the policy, the policy shall continue in force until 60 days after a notice of intent not to renew is received by the policyholder.”

“This subpart applies to for-hire motor carriers operating motor vehicles transporting property in interstate or foreign commerce. (b) This subpart applies to motor carriers operating motor vehicles transporting hazardous materials, hazardous substances, or hazardous wastes in interstate, foreign, or intrastate commerce. (c) Exception. (1) The rules in this subpart do not apply to a motor vehicle that has a gross vehicle weight rating (GVWR) of less than 10,001 pounds.”

“Policies of insurance, surety bonds, and endorsements required under this section shall remain in effect continuously until terminated. Cancellation may be effected by the insurer or the insured motor carrier giving 35 days' notice in writing to the other.”

“The liability of the retiring insurer or surety, as to events after the termination date, shall be considered as having terminated on the effective date of the replacement policy of insurance or surety bond or at the end of the 35 day cancellation period required in paragraph (b) of this section, whichever is sooner.”

“Provide for a 30-day notice of cancellation or non-renewal of coverage to the University.”