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Ronald & Vicki Dougherty v. State Farm Fire & Casualty Company
Hearing #2005-16092, Decision Issued May 18, 2005.

The insured requested a hearing following receipt of a notice of automobile insurance coverage nonrenewal citing two accidents. At hearing, the company submitted evidence of each accident and the amount paid. The insured corroborated the occurrence of the accidents but stated that they were both unforeseeable.

Held: For the company. The company demonstrated that a named insured was involved in two accidents each exceeding $1,000 in damages while operating a motor vehicle insured under the policy. Neither accident meets any of the four exceptions provided in 24-A M.R.S.A. § 2916-A(2). Accordingly, the company has demonstrated that the statutory requirements for nonrenewal of the policy have been met.

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