What is the required advance notice for mid-term cancellation of an auto policy for reasons other than nonpayment or non-renewal?

In California, if an auto insurance policy is going to be canceled mid-term for reasons other than nonpayment or non-renewal, the insurer is required to provide a 20-day advance notice to the policyholder. This regulation ensures that policyholders have adequate time to address the cancellation and make necessary arrangements for alternative coverage.

This advance notice requirement is specific to certain valid grounds for cancellation, such as fraud or material misrepresentation, where insurers must inform insured individuals promptly so they are aware of the situation. In contrast, nonpayment or reasons related to non-renewal involve different notification timelines, which do not apply to this context. The 20-day notice period strikes a balance between protecting consumer rights and allowing insurers to manage risk effectively.