Policy Non-Renewal

    Posted by MAIA on Jul 29, 2020 12:00:00 AM

    This question was answered based upon current rules, regulations & statutes in effect on July 27, 2020
    QUESTION

    Just trying to find out info if a carrier is able to non renew a personal auto policy because of the loss history on a commercial auto policy?  My U/W is giving me flack on total account loss ratio and I didn’t think she is able to non renew the personal auto with no claims.  I don’t know if someone there would be able to answer this questions.

    ANSWER

    Kathy Cormier:  Companies can non-renew for any reason as long as it is not discriminatory.  I know that if you are driving a commercial vehicle and have a loss, that stays with the carrier.  I do pick up Private Passenger Carriers filings, and I have seen some that will include the “commercial” violations on the drivers record.  That doesn’t sound like the case here...they are non-renewing the policy.

    Who is the carrier?

    Agent:  The carrier my personal lines U/W wants to non renew with no losses on the policy.

    Kathy Cormier:  Companies can non-renew for any reason as long as it is not discriminatory...loss history is not discriminatory.

    This document is not a legal opinion and should not be relied upon as such. The intent of this document is to provide a general background regarding the topic or topics discussed, not to provide legal advice. Producers and agencies should consult an attorney regarding specific situations and specific questions with respect to the topic or topics covered in this document. Neither the Massachusetts Association of Insurance Agents, Number One Insurance Agency nor any of its employees shall be responsible for any errors or omissions regarding any statements made in this document, nor any errors or omissions regarding any statutes, regulations, court rules, and/or any other government documents cited in this document.

    Topics: Registry, 2020

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