(a) No cancellation of a policy to which § 3904(a) of this title applies shall be effective unless notice thereof is mailed or delivered by the insurer to the named insured at least 30 days prior to the effective date of cancellation and accompanied by the reason for cancellation, except that, where cancellation is for nonpayment of premium, at least 15 days' notice of cancellation accompanied by the reason therefor shall be given.
(b) No insurer shall fail to renew a policy except to which § 3903(b) of this title applies, unless it shall mail or deliver to the named insured, at his or her address last of record with the insurer, at least 30 days advance notice of its intention to nonrenew accompanied by the reason or reasons therefor. This subsection shall not apply in case of nonpayment of premium or if the insurer has manifested its willingness to renew. Notwithstanding the failure of an insurer to comply with this subsection, the policy shall terminate on the effective date of any other policy procured by the insured with respect to any automobile designated in both policies. Renewal of a policy shall not constitute a waiver or estoppel with respect to grounds for cancellation or nonrenewal which existed before the effective date of the renewal.
(c) The mailing of the notice of cancellation, or of intention not to renew, to the named insured at his or her last address of record with the insurer, shall be by certified mail or by USPS Intelligent Mail barcode (IMb). Proof of mailing of such notice shall be retained by the insurer for a period of not less than 1 year. This subsection shall not apply in case of nonpayment of premium.
(d) When a policy is cancelled or nonrenewed, other than for nonpayment of premium, the insurer shall notify the named insured of any possible eligibility for insurance through an automobile assigned risk plan. Such notice shall accompany or be included in the notice of cancellation or the notice of intent not to renew, and shall state that such notice of availability of the automobile assigned risk plan is given pursuant to this section.
(e) Each notice of cancellation, except as provided in § 3903(b) of this title, or nonrenewal of a policy shall contain or be accompanied by a notice of the named insured's right to apply to the Commissioner for an appeal therefrom.
Structure Delaware Code
Chapter 39. CASUALTY INSURANCE CONTRACTS
§ 3901. Contracts subject to general provisions.
§ 3902. Uninsured and underinsured vehicle coverage; insolvency of insurer.
§ 3904. Cancellation or nonrenewal of automobile policy — Reasons for cancellation or nonrenewal.
§ 3906. Cancellation or nonrenewal of automobile policy — Appeal to the Commissioner; order.
§ 3908. Cancellation or nonrenewal of automobile policy — Exceptions related to insurer's condition.
§ 3909. Automobile insurance; exclusion, cancellation or nonrenewal.
§ 3910. Automobile insurance — Insurer's right to impose deductible on renewal.
§ 3911. Legislation affecting renewal of policies — Notice of nonrenewal by insurer.
§ 3912. Prohibition against premium increase or termination in certain circumstances.
§ 3913. Requests for driving records; limitation.
§ 3914. Notice of statute of limitations required.
§ 3915. Cash refund on cancellation of policy.
§ 3916. Unfair trade practices.
§ 3917. Military deployment as a factor in automobile insurance rates.