After a PA private passenger auto policy has been in force for more than 60 days, how many days advance written notice must the insurer provide to cancel mid-term for non-payment of premium?

Why this is the answer

Act 205 distinguishes notice periods: 60 days within the first 60-day 'any reason' window, 15 days for non-payment after 60 days, and 60 days for non-renewal. Notice must state the specific reason and be mailed to the insured's last known address.