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Dennis Simard v. Union Mutual Fire Insurance Company

Held June 25, 2013– Docket No. INS-13-2047
Decision Issued:  June 27, 2013

The named insured requested a hearing to contest the cancellation of a personal combination policy for nonpayment of premium.  The company demonstrated that the premium was not paid when due and that all statutory notice requirements were met.

Held: For the company. Maine law under 24-A M.R.S.A. §§ 2908(5)(A) and 3049(1) allow an insurer to cancel a policy if an insured fails to make a premium payment when due. The company demonstrated that the named insured was notified of the payment due prior to the due date, and no payment was received. A cancellation notice was properly issued to the named insured at the last known address and payment was not received before the cancellation date. Accordingly, the cancellation action is permitted.

Last Updated: April 15, 2014