Colo. Rev. Stat. » Title 10
Colorado Revised Statutes

Colo. Rev. Stat. § 10-4-603 (2024)

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✓ C.R.S. 2024: the 2025 and 2026 sessions are not included
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(1) No notice of cancellation of a policy to which section 10-4-602 applies shall be valid unless mailed or delivered by the insurer to the named insured at least thirty days prior to the effective date of cancellation; but, where cancellation is for nonpayment of premium, at least ten days' notice of cancellation accompanied by the reason therefor shall be given or, alternatively, a notice advising that the policy will be canceled if timely payment of premium is not made may be given at least ten days but not more than thirty days prior to the premium due date. Unless the reason accompanies or is included in the notice of cancellation, the notice of cancellation shall state or be accompanied by a statement that, upon written request of the named insured, mailed or delivered to the insurer not less than fifteen days prior to the effective date of cancellation, the insurer will specify the reason for such cancellation. As used in this section, "premium due date" means the date that a premium that has been previously paid is fully earned.

(2) Where the reason for cancellation does not accompany or is not included in the notice of cancellation, the insurer shall, upon written request of the named insured, mailed or delivered to the insurer not less than fifteen days prior to the effective date of cancellation, specify in writing the reason for such cancellation. Such reason shall be mailed or delivered to the named insured within five days after receipt of such request.

(3) This section shall not apply to nonrenewal of a policy. Source: L. 69: p. 550, § 3. C.R.S. 1963: § 72-30-3. L. 96: (1) amended, p. 363, § 1, effective April 17.

Notes of Decisions
Cited in 5 cases, 1981–2019 · leading case: v. Am. Stand. Ins. Co. of Wisconsin, 2019 COA 11, 436 P.3d 597.
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v. Am. Stand. Ins. Co. of Wisconsin, 2019 COA 11, 436 P.3d 597. · cites it 5× “See § 10-4-603; N.Y. Ins. Law § 3425 (McKinney 2018).”
Shelly v. Strait, 634 P.2d 1017 (Colo. Ct. App. 1981). · cites it 4× “He did not cash the check. Strait argues that he is entitled to coverage under his insurance policy for the April 11, 1978 accident, by virtue of the policy terms and § 10-4-603, C.”
Geiger v. Am. Stand. Ins. Co. of Wisconsin, 117 P.3d 16 (Colo. Ct. App. 2004). · cites it 3× “And contrary to defendant’s contention, there is nothing in the insurance application form that purports to exclude husband or limit coverage based on the lack of a license.”
Rotenberg v. Am. Stand. Ins. Co. of Wisconsin, 865 P.2d 905 (Colo. Ct. App. 1993). · cites it 4× “As, in effect, plaintiff’s policies were can-celled in mid-term for his failure to pay when due the second installment of the premium for the statutorily presumed second half of the six-month policy, a cancellation notice *907 under § 10-4-603, C.R.S. (1987 Repl.Vol. 4A) was…”
Progressive Cas. Ins. Co. v. Moore, 2012 COA 145, 292 P.3d 1124. · cites it 2× “7(1) with § 10-4-603, C.R.S.2011. It would similarly create inconsistent deadlines for sending notice of nonre-newal.”
Colo. Rev. Stat. § 10-4-603(1): 2 cases
v. Am. Stand. Ins. Co. of Wisconsin, 2019 COA 11, 436 P.3d 597. “See § 10-4-603; N.Y. Ins. Law § 3425 (McKinney 2018).”
Rotenberg v. Am. Stand. Ins. Co. of Wisconsin, 865 P.2d 905 (Colo. Ct. App. 1993). “As, in effect, plaintiff’s policies were can-celled in mid-term for his failure to pay when due the second installment of the premium for the statutorily presumed second half of the six-month policy, a cancellation notice *907 under § 10-4-603, C.R.S. (1987 Repl.Vol. 4A) was…”
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