Can my car insurance company here in New Jersey opt to non-renew my policy if they don’t want to cover me anymore? What are the possible reasons an insurance company can do just that?

Melvin

Passaic, NJ

Car insurance companies can opt not to renew your policy once it is time for renewal. However, state regulations do not constantly explain the reasons wherein a car insurance policy cannot renew policies. Your car insurance policy may not be renewed if your insurer in New Jersey does not want to provide you coverage anymore. Typically, a car insurance policy may not be renewed if the policyholder has had too many claims for accidents that you have caused, has a conviction for driving under the influence (DUI), or has had a lot of traffic tickets in the last three to five years. These things could undoubtedly increase your car insurance rates from your subsequent insurance provider; however, they will not make you a car insurance outcast.

In case a car insurance company does not want to renew your policy anymore, they will send you a notification. State laws differ, but a car insurance company usually should give the policyholder a notification for nonrenewal of 10 to 30 days. This notification may or may not explain why the car insurance company does not want to renew your policy anymore. In case you want to know the reason why your policy is not being renewed and it is not explained in the notification, you would have to send a request in writing to the car insurance company.