It’s bad news when you get a notice that your auto policy has been canceled. At Com-Co Insurance Agency Inc., which serves Mount Prospect, IL, we can explain why, and we can also use our expertise to try to get you new coverage.

What is Cancellation?

Cancellation means notifying you before the expiration date that your policy will not be renewed or that your new policy will no longer be in effect. Your insurer has up to 60 days to cancel new policies.  For any reason other than non-payment, you must give written notice at least 30 days in advance. A missed payment requires a 10-day notice.

Reasons Insurers Cancel Auto Policies

Dishonesty in answering your insurer’s questions and having a history of insurance fraud are also cause for termination.  Some other reasons are drug or alcohol abuse, a felony and a history of traffic violations. A medical condition that may make you an unsafe driver is another reason. So too are a poor CBI credit score and possessing a motor vehicle wiith mechanical defects.

Help for High-Risk Drivers

At Com-Co Insurance Agency Inc., we partner with insurers that may be able to give you coverage. We also work with the Illinois Automobile Insurance Plan (ILAIP), a program for poor-risk drivers. To qualify for the program, you must:

• Have tried to get insurance within the past 60 days
• Possess a valid driver’s license or be eligible to get one
• Owe no unpaid monies to other insurers over 36 months
• Own a vehicle without mechanical defects

If you live in or near Mount Prospect, IL, contact us at Com-Co Insurance Agency Inc. We will do our best to get you auto coverage after cancellation.