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James Wilson v. State Farm Mutual Automobile Insurance Company

Held July 8, 2008 - Docket No. INS-08-2066
Decision Issued: July 9, 2008

The policyholder requested a hearing regarding the intended nonrenewal of an automobile insurance policy. The notice received from the company identified three paid accidents as the reason for the nonrenewal.

Held: For the insurer. The Maine Automobile Cancellation Control Act permits nonrenewal of a policy when the named insured or customary operator is involved in two or more accidents while driving a motor vehicle insured under the policy, if the accidents occur within the 36 months preceding the annual anniversary date of the policy and exceed $1,000 in damages. None of the statutory exceptions applied to the stated accidents, and the company demonstrated that nonrenewal and notice requirements were met.