Auto Insurance Claims: dropped coverage without knowing, state insurance commissioners, typical protocol

Question
My husband was involved in an auto accident yesterday that was his fault. We are both insured individually, not as a couple. He called his insurance agent to make them aware of the accident and was told that his agent has changed. When he looked into the matter, he was told that the new agent dropped him and his insurance coverage 3 weeks ago. He was told that he was sent a letter notifying him of these changes, but he never received that letter. What is the typical protocol that an insurance company takes in notifying customers when they are no longer covered? Are they required to only send a letter? Does it need to be certified? Do they have to physically speak with you? My husband was under the impression that he was covered this whole time and gets in an accident and now we don't know what to do. Thank you.

Answer
Hi Mel,

Each state has different requirements on the type of notification that is required and how far in advance they must notify you of a cancellation or non-renewal. In most cases a letter must be sent at least 20 to 30 days in advance to your last know address on file. In the case of cancellation for non-payment the time frame can be as little as 10 days. You can check with your state insurance commissioners office for the requirements in your state.

If you feel you did not receive the letter, you can ask the insurance company to provide "Proof of Mailing". This is a document from the post office that shows that your letter was in fact mailed.

I hope this helps
Richard Hixenbaugh