If an insurer decides to nonrenew a policy, the insured must be notified by mail at least how many days in advance?

• A. 30 days
• B. 60 days
• C. 15 days
• D. 45 days

Answer: (D)

Nonrenewal means the insurer will not continue the policy once the current term ends. In Maryland, the insurer must mail a written notice of nonrenewal to the insured at least 45 days before the policy expires. This lead time gives the insured a chance to shop for alternative coverage and avoid a lapse in protection. The notice should be sent to the insured’s last known address and specify that the policy will terminate on the expiration date.