An insurer may cancel a policy by mail at least how many days before the effective cancellation date?

An insurer may cancel a policy by mail at least how many days before the effective cancellation date?

• A. 10 days
• B. 30 days
• C. 60 days
• D. 90 days

Answer: (A)

In Texas, an insurer must provide written notice by mail at least 10 days before the policy’s cancellation becomes effective. This minimum window gives the insured a reasonable period to find replacement coverage or address the issue prompting cancellation. While some policies may promise longer notice in particular situations, the statutory minimum is 10 days, which is why this choice is the correct one. Longer notices (30, 60, or 90 days) aren’t required by law for a standard cancellation by mail.

In Texas, an insurer must provide written notice by mail at least 10 days before the policy’s cancellation becomes effective. This minimum window gives the insured a reasonable period to find replacement coverage or address the issue prompting cancellation. While some policies may promise longer notice in particular situations, the statutory minimum is 10 days, which is why this choice is the correct one. Longer notices (30, 60, or 90 days) aren’t required by law for a standard cancellation by mail.