Massachusetts automobile insurers may cancel your insurance policy if the named insured has a suspended or revoked driver’s license. If you have received a notice of cancellation of your Massachusetts automobile insurance policy, you have the right to appeal this adverse action to the Commissioner of Insurance. If you file your appeal before the effective date of cancellation shown your cancellation notice, your insurance policy will not be cancelled and it will remain in effect until such time as your appeal is heard and decided.
G.L. c. 175 § 113A requires your insurance company to give you at least 20 days of written notice in advance of the cancellation and if you take no action after the issuance of that notice, your policy will be automatically cancelled at 12:01 AM on the effective date of the cancellation.
If your insurance policy is cancelled, the insurance company will automatically notify the Registry of Motor Vehicles and the RMV will revoke the registrations of any vehicles insured under the cancelled policy.
You can appeal the cancellation of your automobile insurance policy by filing a written cancellation complaint with the Office of Consumer Affairs and Business Regulation, Division of Insurance, Board of Appeal, in accordance with G.L. c. 175 § 113D. This Board has the authority to annul the cancellation or order your policy reinstated. The Board is located at 1000 Washington Street, Suite 810, Boston, Massachusetts.
To prevail at your hearing, you must establish that the cancellation of your insurance policy was invalid, improper, or unreasonable. You must attach a copy of the policy cancellation notice to your complaint.
Additionally, you may prevent the cancellation of your policy by removing yourself as a driver from the policy. However, if you do this, it is absolutely imperative that you add yourself back onto the policy when your license is reinstated.