Cancellation / Nonrenewal : Docket No. {$docket_number} Decision : Bureau of Insurance

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Scott & Elizabeth Haver v. 21st Century Premier Insurance Company

Held November 8, 2011 – Docket No. INS-11-2096
Decision Issued: November 28, 2011

The named insured requested a hearing to contest the cancellation of automobile insurance for nonpayment of premium. At hearing, the company demonstrated that payment was not received when due on August 16 and September 16, and that only partial payment was received before the cancellation date.
Held: For the company. The Maine Automobile Insurance Cancellation Control Act allows an insurer to cancel a policy if an insured fails to make a premium payment when due. See 24-A M.R.S.A. § 2914(1). The company demonstrated that the insured was notified of the payment due prior to the due date, and no payment was received. Although the insured argued that the company should have notified her that the automatic payments were not processing, the insurer showed that a cancellation notice was properly issued after the premium due date, and payment was not received before the cancellation date. The company has demonstrated that the statutory requirements to cancel the policy have been met.

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