{"data":{"id":"us-in/ic-27-7-12-5","jurisdiction":"us-in","citation":"IC 27-7-12-5","heading":"Sufficiency of explanations; coverage considered renewed where notice not given","body":"Sec. 5. (a) A written explanation provided under section 3 or 4 of this chapter must be of sufficient clarity and specificity to enable a reasonable lay person to identify the basis for the insurer's decision without further inquiry.\n(b) If notice is not provided under section 4 of this chapter, coverage is considered to be renewed only for the ensuing policy period upon payment of the appropriate premiums under the same terms and conditions, and subject to section 6 of this chapter, unless the named insured has accepted replacement coverage with another insurer or unless the named insured has agreed to the nonrenewal.","path":["TITLE 27. INSURANCE","ARTICLE 7. SPECIAL TYPES OF INSURANCE","Chapter 12. Termination of Residential Policies"],"source_url":"https://iga.in.gov/ic/2026/Title_27.html#27-7-12-5","current_through":"2026","vintage":"2026","retrieved_at":"2026-09-25T05:39:04Z","sha256":"3d17d123a86f6d72998118a0a31459014969f1249628b52305c29d8e8189696b","source_id":"us-in","stale":false,"prev":"us-in/ic-27-7-12-4","next":"us-in/ic-27-7-12-6"},"notice":"GroundRules: Original legal text. Not legal advice."}