{"data":{"id":"us-in/ic-27-1-31-2","jurisdiction":"us-in","citation":"IC 27-1-31-2","heading":"Grounds for cancellation; notice of cancellation","body":"Sec. 2. (a) An insurer may not cancel a policy of insurance that the insurer has written that has been in effect more than ninety (90) days unless:\n(1) the insured under the policy has failed to pay the premium;\n(2) there is a substantial change in the scale of risk covered by the policy;\n(3) the insured has perpetrated a fraud or material misrepresentation upon the insurer;\n(4) the insured has failed to comply with reasonable safety recommendations; or\n(5) reinsurance of the risk associated with the policy has been cancelled.\n(b) An insurer shall mail a written notice of cancellation to a person insured under a policy issued by the insurer at least:\n(1) forty-five (45) days before cancelling the policy for any reason set forth in subsection (a)(2), (a)(4), or (a)(5);\n(2) twenty (20) days before cancelling the policy for the reason set forth in subsection (a)(3); or\n(3) ten (10) days before cancelling the policy for the reason set forth in subsection (a)(1).","path":["TITLE 27. INSURANCE","ARTICLE 1. DEPARTMENT OF INSURANCE","Chapter 31. Cancellation and Nonrenewal of Commercial Property and Casualty Insurance"],"source_url":"https://iga.in.gov/ic/2026/Title_27.html#27-1-31-2","current_through":"2026","vintage":"2026","retrieved_at":"2026-09-25T05:39:04Z","sha256":"cc33fe02bc8a15f4b49621685a476ba5cd06095a510530b18e96e8f49ad83c3d","source_id":"us-in","stale":false,"prev":"us-in/ic-27-1-31-1","next":"us-in/ic-27-1-31-2.5"},"notice":"GroundRules: Original legal text. Not legal advice."}