{"data":{"id":"us-ak/as-21.36.210","jurisdiction":"us-ak","citation":"AS 21.36.210","heading":"Limits on cancellation.","body":"(a) An insurer may not exercise its right to cancel a policy of personal automobile insurance except for the following reasons:\n(1) nonpayment of premium; or\n(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.\n(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the application of a deductible amount not exceeding $100 is not a cancellation of the coverage or of the policy.\n(c) [Repealed, § 47 ch 29 SLA 1987.]\n(d) This section does not apply to\n(1) the failure to renew a policy, except as to coverage in force for less than 12 months;\n(2) a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60 days at the time notice of cancellation is mailed or delivered by the insurer, unless it is a renewal policy.\n(e) [Repealed, § 47 ch 29 SLA 1987.]\n(f) An insurer may not exercise its right to cancel a policy of personal insurance other than personal automobile insurance, except for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:\n(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;\n(2) conviction of the insured of a crime having as one of its necessary elements an act increasing a hazard insured against;\n(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;\n(4) discovery of a grossly negligent act or omission by the insured that substantially increases the hazards insured against;\n(5) physical changes in the insured property that result in the property becoming uninsurable; or\n(6) entire abandonment of the property that increases a hazard insured against; if a policy is cancelled under this paragraph, in addition to the notice required under AS 21.36.220, the insurer shall give notice of cancellation of the policy to a lender on file with the insurer at the time of the cancellation; in this paragraph, “entire abandonment” means the property is no longer occupied by the insured as defined by the policy and does not have contents of substantial utility; however, property is not entirely abandoned if the insured or an agent for the insured demonstrates that the property is being reasonably maintained and monitored for a condition that might cause damage to the property.","path":["Title 21. Insurance.","Chapter 36. Trade Practices and Frauds.","Article 2. Cancellations and Renewals."],"source_url":"https://www.akleg.gov/basis/statutes.asp#21.36.210","current_through":"Alaska Statutes 2025 (34th Legislature, 2025-2026)","vintage":"","retrieved_at":"2026-09-02T06:17:40Z","sha256":"76a516c8180b00e72b141c0890a05e62e994cba3b34409aa93d8cb486100ea7b","source_id":"us-ak","stale":false,"prev":"us-ak/as-21.36.200","next":"us-ak/as-21.36.212"},"notice":"GroundRules: Original legal text. Not legal advice."}