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Cancellation and Nonrenewal

In the state of Louisiana, when you purchase a new auto insurance policy, the insurance company may cancel it within 60 days. If it is cancelled for nonpayment of premium during that time, the company must give you a 10-day notice. If it is cancelled for any other reason, such as a traffic violation or an at-fault accident, a 20-day notice is required.

A company cannot cancel your auto insurance policy if it has been in effect for more than 60 days or is a renewal unless:

After the 60-day period, if a company cancels your policy because you fail to pay a premium, it must give you a 10-day notice in writing. For any other reason, you must be given a 30-day notice in writing by certified mail. If your insurance company decides not to renew your policy, it must provide you with notice 20 days prior to the policy's ending date. Your company is required to give you the reason for cancellation or nonrenewal if you request it in writing.

Within 30 days of cancellation, the company must refund all unused premiums that did not pay for coverage.

All information courtesy of: Louisiana Department of Insurance's Publication - Consumer's Guide to Auto Insurance