@Nova Insurance companies generally have to follow notice rules, and regulators do enforce them.
Yes, insurers are legally required in most U.S. states to send you written notice before increasing rates, canceling, or non-renewing your policy — usually 30 to 60 or more days in advance, depending on the state and the type of policy.
In everyday practice, most reputable companies do send these notices because it’s part of their compliance with state insurance laws. Failure to comply may be seen as a violation of state rules, making actions like cancellation potentially invalid.
When you file a complaint with your State Department of Insurance, it's not just paperwork; they can investigate, penalize the company, enforce rules, and restore unjust cancellations or rate hikes. Habitual disregard of notice requirements can lead to financial penalties or other sanctions.
They usually adhere to these rules, and standing up for your rights by using a regulator can have significant effects on the insurer, not just more forms for you.