What is required if a private auto policy is canceled for reasons other than nonpayment?

When a private auto policy in Washington is canceled for reasons other than nonpayment, the insurer is required to provide the insured with a specific notice period. In this case, a 20-day notice is mandated. This requirement is designed to ensure that policyholders have adequate time to secure alternative coverage and to understand the reasons behind the cancellation of their policy.

Typically, cancellations due to nonpayment of premium may carry a shorter notice requirement, as the situation involves overdue payments. However, when the cancellation is for reasons such as underwriting issues, claims history, or other nonpayment-related factors, the law seeks to give a longer notice period—20 days in this instance. This ensures fairness and adequate time for the insured to respond and make necessary arrangements.