PLGeorgiamedium
During the first 60 days of a newly issued Georgia personal auto policy, the insurer's right to cancel is best described as:
ALimited to the same enumerated reasons that apply after 60 days
Permitted for any reason, subject to required advance notice
CProhibited absent insured's written consent
DPermitted only with prior approval of the Commissioner
Why this is the answer
Georgia law creates an initial 60-day underwriting period under O.C.G.A. § 33-24-45 during which the insurer may cancel a personal auto policy for any reason, subject to providing the statutorily required advance written notice. After the 60-day window closes, mid-term cancellation is restricted to enumerated reasons such as non-payment, fraud, material misrepresentation, or substantial change in the risk. Neither insured consent nor prior Commissioner approval is required for new-business cancellations.
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