How can my Pa Auto Insurance be Cancelled?

Every week I get a variation of this question: will they cancel my car insurance? Well, it's not that simple here in Pennsylvania when it comes to cancelling car insurance. The state of Pennsylvania Insurance department has instituted guidelines regarding the procedures that must be taken to cancel a car insurance policy.

The DUI or violation that results in a license suspension is an easy one. If your license is lost, suspended or revoked during your policy period the insurance company can cancel the policy. If they don't catch it in a three year period they cannot come back after that and cancel. Getting a suspension or revocation of driving rights in another state is not a legitimate reason for cancellation. There are currently no other states who are reciprocating with Pennsylvania regarding violations and suspensions at this time.

Pennsylvania law is clear on what they will allow when it comes to accidents as well. Any two at-fault accidents over the threshold of $1150 within a 36 month give an insurance company the green light to cancel or non-renew an insurance policy. Certainly, some companies will give some credence to the agents input before they decide to cancel. Many times the severity of the accidents will be taken into account. Accidents in combination with violations are sure to be taken much more seriously than say "sliding on snow covered roads"

Pennsylvania auto insurance regulations regarding violations is another option for insurance companies to use when deciding to cancel or non-renew a policy. A total of 12 points will result in an immediate suspension of priviledges and also cause for cancellation or non-renewal of your insurance. Other combination of accidents and violations can be used for cancellation according to Pennsylvania auto insurance laws.

If you've received a cancellation notice from your insurance company you may be entitled to appeal. The Pennsylvania insurance department requires that you notify them within 30 days of your notice and they will review your individual case.

Not paying your insurance bill on the due date is one more reason your Pennsylvania car insurance policy can be canceled. The state law allows insurance companies to hold you responsible for paying on time and has no grace period.

Williams Agency
Source for Affordable Pa Auto Insurance