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Karen Rollins v. Patrons Oxford Insurance Company
Held December 13, 2011 – Docket No. INS-11-2105
Decision Issued: December 15, 2011
The insured requested a hearing regarding cancellation of dwelling fire insurance for nonpayment of premium. At hearing, the company demonstrated that no payment was received for the installment due the October 15, 2011 renewal date, and that all of its mailings to the insured for the renewal policy were returned to the company as undeliverable. The company established that the renewal, the premium invoice and the cancellation notice were all mailed to the last known address of the named insured. The policy had been written to cover a dwelling rented to others, and the named insured had a different mailing address from the insured property.
Held: For the company. The Maine Property Insurance Cancellation Control Act allows an insurer to cancel a policy if an insured fails to pay the payment when due. See 24-A M.R.S.A. §§ 3049(1). The company demonstrated that it mailed an invoice to the policy’s mailing address prior to the due date, and properly issued a notice of cancellation after the premium due date. The company has demonstrated that the statutory requirements to cancel the policy have been met.