In South Carolina automobile liability insurance can be canceled if you failed to pay your premiums on time and between the 61-90 day of a new policy for any reason. Also collision and comprehensive coverages can be canceled for any reason during the first 90 days.

The SC Department of Insurance goes on to say if your policy has been in effect for 90 days or more, the insurance company cannot cancel your policy for the remainder of the policy term unless you fail to pay the premium on time or you or any operator in your household who customarily operates your automobile has had their license suspended or revoked.

In addition, the insurance company intending to cancel or non-renew your policy must give you notice, in writing, of the reasons for the cancellation or non-renewal of your coverage( s). The notice must tell you that you have the right to appeal the decision to the SCDOI and must inform you of the availability of other insurance through another insurer or through the S.C. Associated Auto Plan (JUA).

Within 15 days of your receipt of the notice of cancellation or non-renewal, you or your attorney may request in writing to the SCDOI that the action of the insurer be reviewed. The Department is required to determine whether the insurer’s cancellation complies with SC law. If the SCDOI finds that the cancellation was not in accordance with SC law, it must notify the company and you that the cancellation is not effective. However, the SCDOI cannot substitute its judgment for that of the company as to the underwriting of the policy.

If your current insurer, State Farm, canceled you without notice you should contact your agent to ask why proper notice was not given and may also want to contact the insurance regulator for South Carolina, the DOI.