Georgia Code
Article 1 - General Provisions
§ 33-24-45. Cancellation or Nonrenewal of Automobile or Motorcycle Policies; Procedure for Review by Commissioner

Code Section 33-24-45 of the Official Code of Georgia Annotated provides that this insurer must, upon request, furnish you with the reasons for the failure to renew this policy. If you wish to assert that the nonrenewal is unlawful, you must file a written notice with this insurer before the time at which the nonrenewal becomes effective. The notice must specify the manner in which the failure to renew is alleged to be unlawful.
If you do not file the written notice, you may not later assert a claim or action against this insurer based upon an unlawful nonrenewal.”
Your policy has not been renewed because your present agent no longer represents this insurer. You have the option of procuring coverage through your present agent or retaining this policy by applying through another agent of this insurer. Code Section 33-24-45 of the Official Code of Georgia Annotated provides that if you will locate another agent of this insurer and apply for this policy before the time at which the nonrenewal becomes effective, this insurer will treat the application as a renewal and not as an application for a new policy.”
“NOTICE
“NOTICE
History. Code 1933, § 56-2430.1, enacted by Ga. L. 1968, p. 1126, § 1; Ga. L. 1971, p. 658, §§ 1-5; Ga. L. 1975, p. 1242, §§ 2, 3; Ga. L. 1982, p. 3, § 33; Ga. L. 1984, p. 1345, § 5; Ga. L. 1987, p. 1466, § 3; Ga. L. 1988, p. 677, §§ 1, 2; Ga. L. 1991, p. 1608, §§ 1.8, 1.9, 1.10, 1.11; Ga. L. 1996, p. 705, § 15; Ga. L. 1996, p. 767, § 1; Ga. L. 2005, p. 60, § 33/HB 95; Ga. L. 2012, p. 1117, § 6/SB 385; Ga. L. 2014, p. 829, §§ 7, 8/HB 645; Ga. L. 2015, p. 5, § 33/HB 90; Ga. L. 2017, p. 692, § 1/HB 92; Ga. L. 2018, p. 210, § 1/HB 760; Ga. L. 2019, p. 474, § 5/SB 156; Ga. L. 2019, p. 1056, § 33/SB 52.
The 2018 amendment, effective July 1, 2018, deleted “and providing no less than the coverage contained in the superseded policy” following “same insurer” near the middle of paragraph (b)(2); added paragraph (b)(3); deleted “or” at the end of paragraph (f)(2); in paragraph (f)(3), inserted “or her” in the middle and substituted “; or” for a period at the end; and added paragraph (f)(4).
The 2019 amendments. —
The first 2019 amendment, effective July 1, 2019, substituted “shall be in a separate document with the words ‘NOTICE OF REDUCTION IN COVERAGE’ written in all capital letters in at least 12 point type” for “shall be printed in all capital letters in a separate document entitled ‘NOTICE OF REDUCTION IN COVERAGE.’ ” in the proviso of the first sentence of paragraph (f)(4). The second 2019 amendment, effective May 12, 2019, part of an Act to revise, modernize, and correct the Code, redesignated former paragraphs (b)(2) and (b)(3) as present paragraphs (b)(3) and (b)(2), respectively.
Code Commission notes.
Pursuant to Code Section 28-9-5, in 1985, in subsection (b), paragraph (1) was redesignated as paragraph (2) and paragraph (2) was redesignated as paragraph (1) in order to arrange the defined terms in alphabetical order.
Editor’s notes.
Ga. L. 1991, p. 1608, § 3.1, not codified by the General Assembly, provides that this Code section shall apply to policies of motor vehicle insurance issued, issued for delivery, delivered, or renewed on and after October 1, 1991. Except for an otherwise permissible cancellation of policy of motor vehicle insurance, coverages payable without regard to fault in motor vehicle insurance policies in existence on October 1, 1991, shall remain in effect until changed by specific request of the policyholder and reflected by endorsement to the policy or until the renewal date of the policy; provided, however, the insurer shall be required to send written notice to the policyholder of any changes in coverage to be effective upon renewal of the policy as a result of this Act not less than 60 days prior to the renewal date of the policy. Written notice to the policyholder shall be accomplished in such form and manner as prescribed by the Commissioner of Insurance.
Law reviews.
For comment on Life Ins. Co. v. Bartlett, 37 Ga. App. 22 , 138 S.E. 589 (1927), see 1.Ga. L. Rev. No. 2 P. 49 (1927).
For article surveying Georgia cases in the area of insurance from June 1979 through May 1980, see 32 Mercer L. Rev. 79 (1980).
For annual survey of insurance law, see 35 Mercer L. Rev. 177 (1983).
For annual survey of insurance law, see 42 Mercer L. Rev. 259 (1990).
For annual survey on insurance law, see 69 Mercer L. Rev. 117 (2017).
For review of 1996 department and commissioner of insurance legislation, see 13 Ga. St. U.L. Rev. 183.

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