State Farm Auto Insurance Practice Test

What is required for a customer to reinstate their policy after cancellation for non-payment?

1. A complete renewal of all coverages

2. Proof of no previous claims

3. A request within 39 days from cancellation

4. New underwriting evaluation

The correct answer is: A request within 39 days from cancellation

To reinstate a policy after cancellation for non-payment, the requirement typically focuses on the time sensitivity of the action. A request must be made within a specific time frame that allows the insurance company to review the situation and potentially reinstate the coverage. In this case, that time frame is 39 days from the cancellation date. This is crucial because it encourages customers to act quickly to restore their coverage before it lapses completely, which can lead to issues such as gaps in coverage or higher premiums if they need to start a new policy later on. Timeliness is a common requirement with insurance policies, as it helps manage risks and ensure consistent coverage for the customer. The other options, while they may seem relevant, do not align with typical practices for reinstating a policy after non-payment. For example, a complete renewal of all coverages would not be necessary if the customer is looking to regain the same policy without changes, and proof of no previous claims is not usually a standard requirement for reinstating a policy that was canceled strictly for non-payment. New underwriting evaluations may be necessary for new policies or significant changes, but they are not typically required for reinstatement in this scenario.