| (a) General liability insurance policies and automobile
insurance policies to which this section applies may be cancelled
by the company by mailing written notice to the insured of its intent
to cancel at least 45 days prior to the effective date of cancellation,
except as provided in §5.7014 of this title (relating to Exceptions
to Cancellations and Nonrenewal Notice Requirements for General Liability
and Certain Automobile Insurance Policies). The company may comply
with this provision by requiring or permitting its agent to notify
the policyholder. However, the responsibility of giving notice to
the insured remains with the company if the agent fails to carry out
its instructions to notify the insured.
(b) General liability insurance policies and automobile
insurance policies to which this section applies must be renewed at
expiration, at the option of the policyholder, unless the company
has mailed written notice to the policyholder of its intention to
decline renewal at least 45 days in advance of the policy expiration
date except as provided in §5.7014(d) of this title (relating
to Exceptions to Cancellation and Nonrenewal Notice Requirements for
General Liability and Certain Automobile Insurance Policies). The
company may comply with this provision by requiring or permitting
its agent to notify the policyholder. However, the responsibility
of giving notice to the insured remains with the company if the agent
fails to carry out its instructions to notify the insured. Upon failure
of the insured to pay the renewal premium when due, the company's
obligation to renew the policy on its expiration date terminates,
regardless of whether the company has given any notice of intent to
decline renewal.
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