How many days' written notice must an insurer give to cancel a personal auto policy after 60 days of coverage for reasons other than non-payment?

An insurer must provide a minimum of 30 days' written notice to cancel a personal auto policy after the policy has been in effect for more than 60 days, specifically for reasons other than non-payment. This requirement is intended to give the insured adequate time to find alternative coverage before the cancellation takes effect.

In this context, 30 days serves as a fair period that balances the insurer's need to re-evaluate risk with the insured's right to be informed and to secure necessary insurance protections without added stress. The other options, such as 7 days, 15 days, or 60 days, would not meet the regulatory requirements, as they either provide insufficient time for the insured to respond or exceed the ministerial obligations outlined by the state regulations regarding policy cancellations.