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- Alaska Statutes.
- Title 21. Insurance
- Chapter 36. Trade Practices and Frauds
- Section 210. Limits On Cancellation.
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. Prohibited Denial of Claim For Causation.
AS 21.36.210. Limits On Cancellation.
- (a) An insurer may not exercise its right to cancel a policy of personal automobile insurance except for the following
- (1) nonpayment of premium; or
- (2) the driver's license or motor vehicle registration of either the named insured or of an operator who resides in the
same household as the named insured or who customarily operates a motor vehicle insured under the policy has been under
suspension or revocation during the policy period or, if the policy is a renewal, during its policy period or the 180
days immediately preceding its effective date; this paragraph does not apply to revocation as described under AS 21.89.027
- (b) During the policy period, a modification of automobile physical damage coverage, except coverage for loss caused by
collision, whereby provision is made for the application of a deductible amount not exceeding $100 is not a
cancellation of the coverage or of the policy.
- (c) [Repealed, Sec. 47 ch 29 SLA 1987].
- (d) This section does not apply to
- (1) the failure to renew a policy, except as to coverage in force for less than 12 months;
- (2) a policy that has been in effect less than 60 days at the time notice of cancellation is mailed or delivered by the
insurer, unless it is a renewal policy.
- (e) [Repealed, Sec. 47 ch 29 SLA 1987].
- (f) An insurer may not exercise its right to cancel a policy of personal insurance other than personal automobile
insurance, except for the following reasons:
- (1) nonpayment of premiums, including nonpayment of additional premiums, calculated in accordance with the current rating
manual of the insurer, justified by a physical change in the insured property or a change in its occupancy or use;
- (2) conviction of the insured of a crime having as one of its necessary elements an act increasing a hazard insured
- (3) discovery of fraud or material misrepresentation made by the insured or a representative of the insured in obtaining
the insurance or by the insured in pursuing a claim under the policy;
- (4) discovery of a grossly negligent act or omission by the insured that substantially increases the hazards insured
- (5) physical changes in the insured property that result in the property becoming uninsurable.
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