Editor's note: This article first appeared on CarInsurance.com and is reprinted here with their permission. Click here for the original post.

Normally your car insurance is in effect until the term expires. But in certain instances the insurance company can cancel your policy.

A cancellation notice is serious business. Without car insurance, you're on the hook for any damage or injuries you cause in an accident, and in most states you're breaking the law by driving without liability coverage.

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