Reasons why your car insurance can be canceled

These are, among others, the words nobody wants to hear your insurer: "your policy has been canceled." Find that the insurance company has decided not to renew the auto policy is not the most common, but it is extraordinary.
The legal minimum period to communicate the cancellation or non-renewal of insurance is 2 months, both for the insured to the insurance company.The car insurance companies can cancel our policy, but for this they need a reason. There are several reasons why it is justified by law and acting insurers to policyholders. These are:

    Late payment of premium: if we do not pay or late cancellation car insurance will be here soon. Insurance companies insist on the need to have all payments up to date as necessary to continue to ensure our vehicle. There are grace periods, which vary with each company and the type of insurance is agreed.
    
Falsehood in our statement data: If the insurance company finds out that we lied deliberately, immediately canceled our insurance. One of the most common lies in car insurance is the number of miles driven annually. Policyholders we can decide to hide the truth to get a cheaper rate, which carries the risk of seeing a claim to the insurance company is denied at the very moment when it is most needed.
    
Withdrawal or expiry of the card: if your driving license has been withdrawn or suspended on a casual basis, our policy will be automatically canceled, which in most cases also extends to people who appear as regular drivers of the insured vehicle. It is possible that in the renewal of car insurance, the insurance company check the status of our license, if you need to take action. Best, before any drastic change in the driving license, is to notify the insurance company.
    
Another circumstance that may be important is the inability to contact us. If we do not respond to calls or emails from the insurer, especially after the disclosure of a loss, whether guilty or not, the company can communicate in a future cancellation.
The positive if an insurance company canceled our policy is that we have to pay money back. If the insurer cancels car insurance, we expect to receive an income or check the time the premium has not been used.
 

No renewal
Besides the above, do not forget a similar concept, but not identical, which is not renewed. Is that our insurance company can decide not to renew our policy at the date of renewal. In this case, the laws are not as specific as in the case of cancellation of the insurance. Normally are cases that have taken place too many claims we've had too many accidents or traffic violations in recent years.The advice after learning that the insurance has been canceled or not renewed is not to use the vehicle to resolve your insurance. We can then get in touch with the insurer, or the insurance ombudsman, or even with the Office of Consumer Affairs.