SR22 Auto Insurance – Cancellation or Non Renewal?
Q: What is the difference between cancellation and non-renewal of SR22 auto insurance?
A: Cancellation of your SR22 auto insurance is something which can be done any time, and is not restricted to simply the end of your policy period. However, some legal restrictions surround cancellation, and your policy can only be canceled if you don’t make a payment, your license is suspended, you misrepresent yourself or omit information, or continuing to insure you would violate the law in some way. If your company cancels you for a reason other than this, then you can file a complaint.
As for non-renewal, it can be done for any reason, but is also subject to a few restrictions. For example, your policy cannot be non-renewed simply because you are part of a protected category–that is to say, it cannot be non-renewed on the basis of your race, disability, gender, ethnicity, and so on. Your SR22 auto insurance company is not allowed to deny you coverage because you have no credit/bad credit, but it can charge you more for these two reasons. Also, your car insurance company can choose not to renew your policy for risk reasons or because you have not paid.
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