Rhode Island Code of Regulations
Title 230 - Department of Business Regulation
Chapter 20 - Insurance
Subchapter 05 - Personal Lines - Automobile and Homeowners Insurance
Part 2 - Automobile Insurance Cancellation and Renewal Provisions
Section 230-RICR-20-05-2.6 - Notice of Nonrenewal
Current through September 18, 2024
A. Unless the insurer, at least thirty (30) days in advance of the end of the policy period, delivers to the named insured at the address shown in the policy, notice of its intention not to renew the policy or to condition its renewal upon reduction of limits or elimination of any coverages afforded under the policy, together with a statement of its reasons therefor, the named insured shall be entitled to renew the policy upon payment of the premium when due. The renewal policy shall provide that the insurer shall not cancel such policy or reduce any of the limits or cancel any of the coverages provided thereunder except as provided in §§ 2.4 and 2.5 of this Part. This Section shall not apply in case of nonpayment of premium as required by the insurer for the expiring policy or renewal thereof. Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation which existed before the effective date of such renewal.
B. No insurance company shall fail to renew a private passenger automobile policy because of a loss occurrence only, unless a Chargeable Loss Occurrence or more than two (2) Non-Chargeable Loss Occurrences, involving insureds, have taken place within the policy period.
C. No insurance company shall fail to renew a private passenger automobile policy solely because the insured has attained the age of sixty-five (65) years or older.
D. Notwithstanding the failure of an insurer to comply with this Section, the policy shall terminate on the effective date of any other insurance policy with respect to any automobile designated in both policies.
E. This Section shall not apply to policies issued pursuant to R.I. Gen. Laws §§ 31-33-8 and 31-47-16 through the Rhode Island Automobile Insurance Plan. Nonrenewal of those policies is governed solely by the terms of the Plan Manual as filed with and approved by the Department.
