§ 26.1-40-09 — Duplicate coverage - Termination of coverage when another policy in force - Notice

force - Notice.
Notwithstanding the failure of an insurer to comply with sections 26.1-40-01 through
26.1-40-12, if an insured obtains a replacement policy providing equal or more extensive
coverage for a motor vehicle covered in both policies, the first insurer's coverage of that motor
vehicle may be terminated either by cancellation or nonrenewal. The termination is effective on
the effective date of the second policy providing duplicate replacement coverage. Upon
termination, the insured is entitled to a refund of the premium and written notice must be mailed
or delivered to the named insured.