What are the obligations of an insurer in notifying a consumer of their right to an appeal of cancellation or non-renewal?
The insurer must inform you of your rights in writing within thirty days of the receipt of notice that the Director reviews the action of the insurer. The notice of cancellation or refusal to renew must contain the following statement in bold print to inform the insured of this right: IMPORTANT NOTICE Within thirty days of receiving this notice, you or your attorney may request in writing that the Director review this action to determine whether the insurer has complied with South Carolina laws in canceling or non-renewing your policy. If this insurer has failed to comply with the cancellation or nonrenewal laws, the Director may require that your policy be reinstated. However, the Director is prohibited from making underwriting judgments. If this insurer has complied with the cancellation or non-renewal laws, the Director does not have the authority to overturn this action.
