§ 26.1-40-04 — Statement of reason for cancellation

A notice of cancellation for nonpayment of premium must include or be accompanied by a
statement of the reason for cancellation. Any other notice of cancellation must state or be
accompanied by either a statement of the reason for cancellation, or a statement that upon
written request of the named insured, the insurer will specify in writing the reason for
cancellation. The written request must be mailed or delivered to the insurer at least ten days
prior to the effective date of cancellation. The insurer shall mail or deliver the reason to the
named insured within ten days after receipt of the written request. Failure to comply with the
notice of cancellation provisions of section 26.1-40-03 or failure to furnish reasons for
cancellation when required or requested is sufficient cause for the commissioner to cancel,
revoke, or refuse to renew that company's certificate of authority to do business in this state.
26.1-40-05. Nonrenewal - Notice - Statement of reasons - Nonrenewal not to be based
on certain facts.
1. No insurer may fail to renew a policy unless a written notice of nonrenewal is mailed or
delivered to the named insured, at the address shown in the policy, at least thirty days
prior to the expiration date of the policy or anniversary date of a policy written for a
term longer than one year or with no fixed expiration date. The insurer shall include a
statement of the reasons for nonrenewal with the notice or shall furnish it upon the
written request of the insured mailed or delivered to the insurer at least ten days prior
to the expiration date of the policy. The insurer shall comply with such a request within
ten days after receipt thereof.
2. Subsection 1 does not apply:
a. If the insurer has manifested in any way its willingness to renew;
b. In case of nonpayment of premium for the expiring policy; or
c. If the insured fails to pay the premium as required by the insurer for renewal.