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If you’ve ever received a notice that your auto insurance policy is being canceled, you know how stressful it can be. At McCormick Insurance Inc. in Pembroke Pines, FL, we understand how important it is to stay protected on the road. That’s why we’re breaking down the most common reasons why an insurer might cancel your policy, and how you can avoid it from happening in the first place.
Missed Payments Can Be a Deal Breaker
One of the leading causes of policy cancellation is non-payment. Life gets busy, and sometimes a due date slips by unnoticed. However, missing even one payment can prompt your insurance carrier to take action. The good news is that most companies offer a grace period or send reminder notices before canceling your policy.
Too Many Claims in a Short Period
Filing multiple claims in a short span can raise red flags with your insurer. While insurance is there to help when things go wrong, excessive claims may signal risky behavior to your provider. It’s wise to evaluate whether filing a claim is worth it for smaller incidents, especially if the repair cost is close to your deductible.
Major Traffic Violations
Serious offenses like DUIs or reckless driving can lead to immediate policy cancellation. These violations significantly increase your risk profile and may make you ineligible for standard coverage.
Avoiding Cancellation Is Easier Than You Think
The best way to keep your policy active is to drive responsibly, stay on top of payments, and communicate with your provider if issues arise. If you have questions or need assistance with your current policy, reach out to McCormick Insurance Inc. in Pembroke Pines, FL. We’re here to help keep you covered.