In every state I am aware of, the insurance company sends you an offer to renew and a bill. If you don't pay it there is not a cancellation that is required to be sent out after that. Most companies send you more than one billing but they are not required to and you cannot blame the insurance company for this error. The renewal is the only time that you do no have a period of time after the payment due date. The renewal is also the only period that the company is not required to send you a cancellation notice with a cancel date on it because the renewal date is your cancellation date.
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