Which policies? Ins. Code §660(a): the auto cancellation chapter applies to policies issued to individuals covering private passenger vehicles, other four-wheel vehicles with a load capacity of 1,500 pounds or less, and motorcycles. It leaves out assigned risk policies, policies insuring more than four automobiles, and policies covering garage or repair shop hazards.

Why may the insurer cancel? Section 661(a) allows cancellation only for listed reasons, including: - nonpayment of premium - suspension or revocation of a driver's license or registration - fraud in pursuing a claim - certain material misrepresentations - a substantial increase in the hazard insured against A not-at-fault claim is not on the list. These limits apply to cancellation, not to nonrenewal.

How much notice to cancel? Section 662: at least 20 days, or at least 10 days for nonpayment of premium. Since January 1, 2025, §662(a)(2) makes a nonpayment cancellation take effect only if the insured has not cured the nonpayment by the end of the 10-day period.

Nonrenewal: §663(a) requires written notice at least 30 days before expiration. If the insurer misses that deadline, §663(c) keeps the existing policy in effect, unchanged, for 30 days from the date the notice is delivered or mailed. Replacement coverage ends it sooner.