If state laws allow it, then yes cancellations can be sent via electronic notification. State laws typically require that cancellation be sent in the mail to the policyholder however you should read through the paperless communication agreement that you signed up for to see if it states how cancellations notices will be sent. It may be that both a cancellation email will be sent and a cancellation notice will be mailed however state laws and paperless agreements can differ.

If you are unable to tell from the paperless communication agreement how the cancellation notice will be sent ask your insurance company about this issue. You can also contact your state's insurance regulator to see what state laws require regarding car insurance cancellation notices and if they must be sent though the mail or if electronic mail (e-mail) notices are allowed.

For example in Illinois the Insurance Division notes specifically that if your auto insurance is cancelled your notice must be mailed. The IL DOI states that the insurance company must send a cancellation notice to you at your last known mailing address, so it is important for you to notify your insurance agent or company if you move. The company must mail your cancellation notice:

• at least 10 days before the cancellation date for nonpayment of premium;
• at least 30 days before the cancellation date for all other reasons.

The company must keep proof that it mailed your notice, but it does not have to show proof that you received it.

Many states have this type of requirement for cancellation notices, even with paperless communication becoming more popular. However you will need to find out what your particular state requires of insurance companies that send out cancellation notices.

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