Renovación y No Renovación de Pólizas de Seguro en California

Explicación Simple

Antes de que termine tu póliza de seguro, la compañía debe avisarte si puedes renovarla o no. Si no te avisan, tu póliza seguirá vigente por 30 días más.

Es como cuando tu contrato de alquiler está por terminar. El dueño debe avisarte si puedes quedarte otro año o si necesitas mudarte. Si no te dice nada, puedes quedarte un mes más.

Ejemplo Práctico

Imagina que Juan tiene un seguro de auto que vence el 1 de junio. Su aseguradora debe mandarle un aviso antes del 1 de mayo, ya sea ofreciéndole renovar el seguro o diciendo que no lo renovará. Si no le avisan, Juan podrá seguir usando su seguro hasta el 1 de julio.

Texto Original del Estatuto (Inglés)

Insurance Code - INS DIVISION 1. GENERAL RULES GOVERNING INSURANCE [100 - 1879.8] ( Division 1 enacted by Stats. 1935, Ch. 145. ) PART 1. THE CONTRACT [100 - 679.75] ( Part 1 enacted by Stats. 1935, Ch. 145. ) CHAPTER 10. Cancellation or Failure to Renew [660 - 669.5] ( Chapter 10 repealed and added by Stats. 1968, Ch. 137. ) 663. (a) Before policy expiration, an insurer shall deliver to or mail to the named insured, at the address shown on the policy, one of the following: (1) At least 20 days before expiration, a written or verbal offer of renewal of the policy, contingent upon payment of premium as stated in the offer. (2) At least 30 days before expiration, a written notice of nonrenewal of the policy, including the statement required by Section 666. (b) (1) An insurer that delivers a verbal offer to renew that is declined by an insured shall, at least 20 days before expiration of the policy, deliver to or mail to the named insured, at the address shown on the policy, a written confirmation of the offer and rejection. (2) An insurer that attempts to satisfy subdivision (a) with a verbal offer to renew, but is unable to contact the named insured directly at least 20 days before policy expiration, shall, at least 20 days before policy expiration, deliver to or mail to the named insured, at the address shown on the policy, a written offer to renew the policy, contingent upon payment of premium as stated in the offer. (c) In the event that an insurer fails to give the named insured either an offer of renewal or notice of nonrenewal as required by this section, the existing policy, with no change in its terms and conditions, shall remain in effect for 30 days from the date that either the offer to renew or the notice of nonrenewal is delivered or mailed to the name