What action must an insurer take before canceling an automobile insurance policy for reasons other than nonpayment of premium?

Before an insurer can cancel an automobile insurance policy for reasons other than nonpayment of premium, it is crucial that the insurer provides written notice to the insured. This requirement ensures that policyholders are adequately informed of the cancellation, the reasons behind it, and the timeframe in which the cancellation will occur. Proper notification is essential for maintaining transparency and allowing the insured the opportunity to seek alternative coverage or address any issues leading to the cancellation. This measure protects the rights of consumers by ensuring that they are not left in the dark about their insurance status and allows them to make informed decisions moving forward.

The other actions, such as notifying the Department of Insurance or offering a renewal option, are not typically required in the context of nonrenewal or cancellation for reasons other than nonpayment. Reviewing the account history might be a part of the internal processes but is not a mandated action prior to cancellation. Thus, it is the written notice to the insured that stands out as a crucial step in the policy cancellation process.