What Are The Differences Between A Cancellation Notice And Non-renewal Notice?

OK, you take that stroll down to the mailbox excitedly as you do everyday hoping to find the catalogue with all that neat stuff you want to buy or to find that magazine you love to read or to find that big check Uncle Bob sent! Come on, you know you love getting mail and really look forward to this daily ritual. You know that Mr. Postman has brought you something fun along with those pesky bills.

However, sometimes you get mail that scares you. You know this because it's very official looking. The contents must be very important but the thought of what is in there frightens you. What is in there? What have I done? What am I going to have to do? Why me? Your heart starts to rapidly beat. You set aside all of the other fun mail you received and you rip this one open first.

Lo and behold, it's a notice from your insurance company. Your eyes immediately focus on the word "cancellation". Before you get any further along in the letter your mind is going a mile a minute. You are confused, frustrated and maybe even angry. You are many things that you were not just moments earlier. Again, you begin to think: What have I done? What am I going to have to do? Why me? Let's stop here.

Consider yourself lucky. "Lucky", you say to yourself. Why am I lucky? Well, you are lucky because you could very well have received a "non-renewal" notice instead. Have I confused you yet? Great, I was hoping that I had so that I could explain the differences to you. A 'cancellation notice' is very different from a 'non-renewal notice'.

A 'non-renewal notice' is like the kiss of death. It is the ultimate low blow you can receive. It is rejection in a big way. It hurts. Go ahead and cry; let it out. There, doesn't that feel much better? I thought so. OK, moving on: When you receive a 'non-renewal' notice from the insurance company they are telling you that they no longer wish to insure you at the end of your policy term. Don't take it personally, there may be many reasons they have chosen this option.

The reasons can range from something simple such as the fact that they no longer offer your program or have chosen not to do business in your state to something not so simple such as your horrendous driving record. In any event, they don't want you anymore. In most cases, you have the right to appeal this decision but good luck. Once they have made up their mind it's going to be tough to make them change it. After wallowing in your misery for a short while, you will have to consider your options.

Your options include being uninsured. This would not be advisable for obvious reasons. Your other options include meeting any conditions imposed by the insurance company to make your risk acceptable. And of course you have the option to find another insurance company. One that likes you just the way you are.

Now, on the other hand, or in the other envelope, is a 'cancellation notice'. Many of us have seen these and know what they are. They are nasty- grams from the insurance company telling us that at a specific time on a specific date at a specific place you will no longer have insurance coverage provided by them. The reasons for these notices vary as well.

You may have overlooked your payment or you may have neglected to provide the required or requested information. In any event, it's not too late. You can save this policy by simply doing what you did not do. Make that payment or provide that information.

When all is said and done, just remember that you have options regarding both notices. In any event, you will soon have no insurance. You will have to take some action either way. Now that you are armed with this information go ahead stroll out to your mailbox. Look for that favorite magazine in there or even that previously scary insurance notice, you now know what it means and what you can do about it.

Visit http://www.carinsurance.com for Auto Insurance Ratings.

Jason Horowitz is a representative of CarInsurance.com. You can visit CarInsurance.com at http://www.carinsurance.com or contact them at 1-877-327-8728.

CarInsurance.com's online insurance marketplace gives an opportunity to consumers and to insurance companies. We offer the ability to shop for car insurance online.

Consumers can receive quotes from many insurance companies, in some states you are able to purchase your insurance instantly, online. You don't have to drive your car to buy car insurance. Buy online... anytime!

---

Google News Updated : Wed, 03 Dec 2008 16:45:58 GMT British conjoined twin dies after surgery - The Associated Press BBC News British conjoined twin dies after surgery The Associated Press - 1 hour ago LONDON (AP) - Faith was breathing for Hope. So when the newborn conjoined Williams twins were separated, it turned out that Hope couldn't live without her sister. Conjoined twin in Britain dies after emergency separation Monsters and Critics.com Conjoined Twin Dies after Separation eFluxMedia AFP - BBC News - I Really Should Study - SmartAboutHealth all 511 news articles Publ.Date : Wed, 03 Dec 2008 15:42:45 GMT Notre Dame announces Weis will return - FOXSports.com Notre Dame announces Weis will return FOXSports.com - 42 minutes ago SOUTH BEND, Ind. (AP) - Charlie Weis will return for a fifth year as Notre Dame's football coach despite posting his second straight disappointing season. The Case For Keeping Charlie Weis Rakes of Mallow Shanoff's Wake-Up Call: ND Keeps Weis, Really? SportingNews.com Fighting Irish Insider - WRNN - CNBC - USA Today all 410 news articles Publ.Date : Wed, 03 Dec 2008 16:03:34 GMT Yahoo shares rise as takeover reports circulate - VNUNet.com New Zealand Herald Yahoo shares rise as takeover reports circulate VNUNet.com - 1 hour ago Reports are circulating of potential suitors for a takeover of Yahoo, lifting the troubled web firm's shares and heralding major implications for the market. UPDATE 3-Ex-AOL boss looking to raise cash for Yahoo bid Reuters Yahoo Shares Jump On Report Of Possible Sale InformationWeek NewsOXY - Hard OCP - The Associated Press - Register all 899 news articles Publ.Date : Wed, 03 Dec 2008 15:18:25 GMT Kevin Federline on Britney: I Love Her, But I'm Not In Love With Her - FOXNews Telegraph.co.uk Kevin Federline on Britney: I Love Her, But I'm Not In Love With Her FOXNews - 1 hour ago With Britney’s comeback in full effect, her ex-husband Kevin Federline is ready to set the record straight. In a new exclusive interview with People magazine, Federline has shed his party-boy, rapper, gold-digger, boy-toy names in favor of “daddy. Kevin Federline Says Britney Spears 'Blindsided' Him With Divorce MTV.com K-Fed: I'd rather see my kids than Britney's money The Associated Press Extra TV - E! Online - TV Guide - Popeater all 215 news articles Publ.Date : Wed, 03 Dec 2008 15:16:01 GMT Will Mac Become a Virus Trap? - PC World ZDNet Will Mac Become a Virus Trap? PC World - 40 minutes ago Apple has backed off its suggestion that Macs require antivirus software. Yesterday, the computer maker suffered a public relations nightmare after an article was discovered on the company's site encouraging Mac users to install antivirus software. Spin Zone? Apple Says Virus Warning Was Old CRN Apple pulls support note recommending antivirus software Apple Insider ZDNet - eWeek - Register - Boy Genius Report all 169 news articles Publ.Date : Wed, 03 Dec 2008 16:05:48 GMT Patriots bring back LB Colvin - International Herald Tribune Colorado Buffs Insider Patriots bring back LB Colvin International Herald Tribune - 30 minutes ago AP FOXBOROUGH, Mass.: The New England Patriots shored up their injury-riddled linebacker corps Wednesday by signing veteran free agent Rosevelt Colvin. Webster To I/R, Colvin Visits Patriots Insider Patriots Welcome Back Rosevelt Colvin FanHouse Boston Globe - Pro Football Weekly - WBZ - Boston Herald all 17 news articles Publ.Date : Wed, 03 Dec 2008 16:15:36 GMT Rice urges Pakistan to ‘act quickly’ in Mumbai terror investigation - Christian Science Monitor Canoe.ca Rice urges Pakistan to ‘act quickly’ in Mumbai terror investigation Christian Science Monitor - 1 hour ago During a visit to India Wednesday, the US secretary of State said Pakistan’s cooperation could help smooth fragile India-Pakistan relations. Video: Rice: Pakistan Must Cooperate Fully AssociatedPress Rice Urges Pakistan to Act With Urgency on Terror (Update4) Bloomberg AFP - Reuters - Washington Post - Reuters India all 2,613 news articles Publ.Date : Wed, 03 Dec 2008 15:36:14 GMT RSS For Web Pages Increased Website Traffic

PARLOT::Ebooks, Scripts, Websites, and more...

Adsense websites

Cheap Health Insurance Rates and Personal Health Insurance

If you've been out of school for a couple of... Read More

Why Does Health Insurance Cost So Much?

Why does health insurance cost so much? Year after year,... Read More

Gain An Advantage Over Your Competition By Controlling The Cost Of Your Health Insurance

As many of us expect, the New Year will bring... Read More

Insurance For All Your Gadgets

Personalisation, Digitalisation, Mobilisation, these 3 words represent your life today.... Read More

The Life Insurance Quote Business is Booming, but is the Insurance Quote Accurate?

The life insurance quote business online is booming. Not only... Read More

Term Life Insurance on Your Business Partner

Life insurance is something we often take out to protect... Read More

Health Insurance Providers Online - Benefits to Applying Online

Health insurance providers are going online to find new customers.... Read More

Risk Retention Groups RRG

In response to a hard insurance market in the mid... Read More

Poor call centre performances driving motorists online for insurance

In their efforts to cut costs more and more finance... Read More

Choosing Buy-To-Let Property Insurance

Risk is an area often overlooked by landlords, but failing... Read More

How Does Credit History Affect Car Insurance Rates?

Many personal car insurance companies consider your credit information when... Read More

Car and Home Insurance Northern Ireland

Don't skimp on insurance. This probably doesn't sound like a... Read More

Business Insurance; Information you will need

When you start a small business you will need to... Read More

Guide to Home Insurance

Here is a useful guide to Home Insurance. Home insurance... Read More

Finding Fast Life Insurance

Since the widespread growth of internet usage and database building... Read More

General Knowledge - Critical Illness Insurance

Critical illness can happen to anyone, and often does. If... Read More

Why Dont Women Have Life Insurance?

Traditionally, life insurance companies solicited men as the main breadwinners... Read More

Health Savings Accounts (HSA): How Do I Tell a Good One from a Bad One?

The Health Savings Account (HSA) is becoming well-known as an... Read More

Give Your Auto Policy a Tune-Up

When you originally purchased your auto insurance policy, you purchased... Read More

How To Get Cheap Whole Life Insurance Quotes

Whole life insurance quotes the most expensive kind of policies... Read More

Do Discount Fees for Medical Service Programs Really Work?

Having a health insurance policy provides a great sense of... Read More

Choosing Affordable Health Insurance For Children

In most cases, private health insurance comes through a person's... Read More

Finding a Discount Car Insurance Broker

Discount car insurance brokerTimes past finding a discount insurance broker... Read More

Long-Term Care Insurance: Eldercare Solution

When I suddenly had to become a fulltime caregiver to... Read More

How to Shop for Individual Health Insurance

If you find yourself in the position of shopping for... Read More