Auto Insurance News

Allstate-If your initial premium payment for your first policy is by check, draft, or any remittance other than cash, such payment is conditional upon the check, draft or remittance being honored upon presentation. If such check, draft or remittance is not honored upon presentation, this policy shall be deemed void from its inception.

Eurance has similar wording that has filed and received approval of a Notice of Null Contract

Geico- has received approval of a Null and Void Misrepresentation letter. “After carefully reviewing your policy, we have determined that we are unable to offer an insurance policy at this time and must cancel this policy for misrepresentation due to the following reason(s):

Harleysville-Harleysville Insurance has filed and received approval of its Cancellation and Non renewal Notices; however, they recently began using a combination Notice of Policy Expiration/Notice of Cancellation for Non-payment of Premium which says:
You are hereby notified that the Massachusetts Motor Vehicle Liability Policy, herein designated, issued to you by the above named company is hereby expired in accordance to its terms, such expiration became effective at 12:01 A.M. on the date stated above.
In accordance with the provisions of Section 113A of Chapter 175 of the General Laws, as amended, a notice of cancellation will be sent to the registrar of motor vehicles of the Commonwealth of Massachusetts on the effective date of cancellation stated above.
This policy provides auto liability coverage. You should contact your agent or any agent concerning your possible eligibility for replacement coverage through another insurer, or the Massachusetts Commonwealth Auto Reinsurers.”

Progressive- Progressive has an approved Application for Massachusetts Motor Vehicle Insurance form (approved for use effective 5/9/14) which includes the following language:
Verification of content
I declare that the statements contained herein are true to the best of my knowledge and belief and do agree to pay any surcharges applicable under the Company rules which are necessitated by inaccurate statements. I declare that no persons other than those listed in this application regularly operate the vehicle(s) described in this application. I declare that none of the vehicles listed in this application will be used as a public or livery conveyance. I understand that this policy may be rescinded and declared void if this application
contains any false information or if any information that would alter the Company‘s exposure is omitted or misrepresented.

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