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Mohamad Ossiani v. MMG Insurance Company

Held January 15, 2013 – Docket No. INS-12-2140
Decision Issued:  January 25, 2013

The named insured requested a hearing to contest the cancellation of a commercial automobile policy for nonpayment of premium.  The company failed to establish that all statutory notice requirements were met.

Held: For the insured. Maine law under 24-A M.R.S.A. § 2908 allows an insurer to cancel a policy if an insured fails to make a premium payment when due. The company was not able to establish that the bill in question or the cancellation notice were mailed to the insured’s last known address, therefore the cancellation action is not permitted.