Policy Expiration by Its Terms
Most states, like California, limit the ability of an insurer to cancel a policy or to refuse to renew a policy of insurance by admitted insurers. For example, see California Insurance Code Section 678. Failure of an insurer to comply with statutes limiting cancellation or non-renewal may find the insurer providing coverage for a risk it did not know it took
nor a risk it intended to take. Without compliance with the statutory requirements a policy will not expire by its terms regardless of the wording of the policy.
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