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Cancellation / nonrenewal issues
What can insureds do when their policies are improperly canceled?
Suppose one of your insureds walks into your office with a note of cancellation of their policy of automobile insurance that is blatantly improper, either because of its content or timing. What do you do?
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 ACORD 35 form and request cancellation of the old policy?
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?
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 effective on the date the policyholder wants to cancel?
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?
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 policy.
Cancellation due to catastrophe loss
Can an insurance carrier cancel a homeowners policy due to a catastrophe loss?
Improper notice of cancellation
Suppose one of your insureds walks into your office with a note of cancellation of their policy of automobile insurance that is blatantly improper, either because of its content or timing. What do you do?