Originally Posted by Fdetrana
These are the reasons for cancellation or non renewal.
* Non-payment of premium.
* Suspended or revoked driver's license..
* Fraudulent claim.
* Material misrepresentation of rating or underwriting information.
* Substantial Increase in the risk of hazard.
This makes it look like they would drop me as soon as I asked for an sr22?
I had an insurance agent tell me they couldn't drop my by law until the policy was up if I asked for an sr22?
ugh... this is messy. Seems like you are playing legal system vs. insurance system.
Not that I'm a pro at SR22 stuff... but the way I read it is:
Let's say you have an accident. USAA is doesn't know about the DUI, but finds out during the claims process that it is on there and you failed to report it. Per the policy, it can be cancelled due to :"Material misrepresentation of rating or underwriting information."
DUIs, last time I checked, is underwriting information. Not reporting it to them could be "material misrepresentation", especially if they found out you bought an SR22 non-owned auto policy instead of reporting it.
In theory, USAA could back date the cancellation of the policy, leaving you uninsured for the claim... and leaving you uninsured on your SR22 requirement, which could really bite you...
Again... that's just how I see it... would love to have one of the senior P&C guys weigh in.