Si tienes un seguro comercial, la compañía de seguros debe avisarte por escrito si no va a renovar tu póliza. Tienen que hacerlo entre 60 y 120 días antes de que termine tu póliza, y si no lo hacen, tu seguro seguirá igual por 60 días más.
Es como si tuvieras un alquiler de apartamento y tu arrendador tiene que avisarte con tiempo si no va a renovarte el contrato. Si no te avisa, puedes quedarte en el lugar un tiempo extra sin cambios.
Imagina que Juan tiene un negocio de cafetería y su seguro comercial está por vencer. La aseguradora, en lugar de renovar el seguro, decide no hacerlo y debe notificar a Juan al menos 60 días antes. Si no le avisa, el seguro de Juan seguirá vigente por 60 días más sin cambios.
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 11. Cancellation and Failure to Renew Certain Property Insurance [675 - 679.7] ( Chapter 11 added by Stats. 1970, Ch. 313. ) 678.1. (a) This section applies only to policies of insurance of commercial insurance that are subject to Sections 675.5 and 676.6. (b) A notice of nonrenewal shall be in writing and shall be delivered or mailed to the producer of record and to the named insured at the mailing address shown on the policy. The time periods and procedures in subdivision (a) of Section 1013 of the Code of Civil Procedure shall be applicable if the notice is mailed. (c) An insurer, at least 60 days, but not more than 120 days, in advance of the end of the policy period, shall give notice of nonrenewal, and the reasons for the nonrenewal, if the insurer intends not to renew the policy, or to condition renewal upon reduction of limits, elimination of coverages, increase in deductibles, or increase of more than 25 percent in the rate upon which the premium is based. (d) If an insurer fails to give timely notice required by subdivision (c), the policy of insurance shall be continued, with no change in its terms or conditions, for a period of 60 days after the insurer gives the notice. (e) With respect to policies defined in subdivision (b) of Section 676.6, in addition to the bases for conditional renewal set forth in subdivision (c), an insurer may also condition renewal upon requirements relating to the underlying policy or policies. If the requirements are not satisfied as of (1) the expiration date of the policy, or (2) 30 days after mailing
Si la aseguradora quiere cambiar los términos, como aumentar deducibles o reducir coberturas, también debe notificártelo con el mismo tiempo de anticipación.
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