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This vary from state to state. For the most part, the only time an insurance company actually 'cancel' your policy, there has to be a very valid reason..for example, the insured withholding information or committing fraud. Otherwise, most companies take a less severe method by non-renewing. Doing this, they provide the consumer with an advance notice to not renew the policy. The consumer is provided with ample time to secure coverage elsewhere.
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