Getting mailed notices from your insurance company can be un-nerving.  You may see the words "cancellation", or many even "non-renewal".  It is important to know the difference between the two, as they are VERY different.

A cancellation notice states that you no longer have coverage from your insurance company.  This can simply be because your insurance policy is closing in on its expiration, or perhaps if a payment is received too late, amongst other reasons.  In most cases, you just need to contact the insurance company and straighten out whatever reason the notice was sent to you. 

When you receive a non-renewal notice from the insurance company, they are telling you that they no longer wish to insure you.  Once your policy is up, they will not accept a renewal from you.  Don't take it personally, there may be many reasons they may have chosen to no longer insure you.  It can be as simple as your company no longer offering your specific policy, or maybe they have chosen to discontinue business in your state.  Non-renewal can also be a result of a bad driving record.  You can choose to exercise your right to appeal this decision, but chances are they will not change their mind about the decision.  Once this happens, you will have a couple of different options you will need to consider.

This can include being uninsured.  This would not be advisable for obvious reasons.  Your more reasonable  options include possibly changing any risk or behavior that made your insurance company want to stop insuring you, if applicable.  Probably the best option is to find another insurance company.

Disclaimer: This article is for information purposes. It should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. This information is provided for information purposes only.