If the insurer intends to nonrenew personal auto policy (PAP) coverage, how many days before the policy expiration must they notify the named insured?

When an insurer decides to nonrenew a Personal Auto Policy (PAP), they are required to notify the named insured at least 20 days prior to the policy's expiration date. This regulation ensures that the insured has adequate time to seek alternative coverage or address any concerns they may have regarding the nonrenewal.

The 20-day notice period is a consumer protection measure, giving insured individuals a reasonable timeframe to make informed decisions based on their insurance needs. It allows for a smoother transition and reduces the likelihood of a lapse in coverage, which could expose the insured to financial risk in the event of an accident or claim during that period.