Sec. 5. (a) A notice of cancellation of a policy to which
section 4 of this chapter applies is not effective:
(1) unless it is mailed by the insurer to the named insured at least
twenty (20) days prior to the effective date of cancellation; or
(2) if the cancellation is for nonpayment of premium, unless it is:
(A) mailed by the insurer to the named insured at least ten (10)
days before the effective date of cancellation; and
(B) accompanied by a written statement of the reason for the
cancellation.
(b) If a policy was procured by an independent insurance producer
duly licensed by the state of Indiana, notice of intent to cancel the
policy shall be mailed to the independent insurance producer at least
ten (10) days prior to the mailing of the notice of cancellation to the
named insured under subsection (a), unless such notice of intent to
cancel is or has been waived in writing by the independent insurance
producer.
(c) Unless a written statement of the reason for the cancellation
accompanies or is included in the notice of cancellation, the notice of
cancellation of a policy that is mailed under subsection (a) shall state
or be accompanied by a statement that, upon the written request of the
named insured that is mailed to the insurer not less than fifteen (15)
days prior to the effective date of cancellation, the insurer will specify
the reason for such cancellation.
(d) This section does not apply to nonrenewal.
Formerly: Acts 1969, c.332, s.5. As amended by P.L.252-1985,
SEC.267; P.L.178-2003, SEC.45; P.L.196-2021, SEC.35.
Notes of Decisions
Am. Stand. Ins. Co. of Wisconsin v. Rogers, 788 N.E.2d 873 (Ind. Ct. App. 2003).
· cites it 7× “Subsequently, Rogers filed a motion for summary judgment arguing that American Standard's cancellation was ineffective because it failed to strictly comply with I.C. § 27-7-6-5. Rogers also argued that American Standard had waived its right to cancel the Policy and was estopped…”
Jones v. Indiana Farmers Mut. Ins. Co., 926 N.E.2d 116 (Ind. Ct. App. 2010).
· cites it 12× “More recently, this court has interpreted Ind.Code § 27-7-6-5, which governs the notice of cancellation of automobile insurance policies.”
Krueger v. Hogan, 780 N.E.2d 1199 (Ind. Ct. App. 2003).
· cites it 5× “" I.C. § 27-7-6-5. On the other hand, the sentence discussing advance notice to the agent begins: "In the event such policy was procured by an agent duly licensed by the state of Indiana, notice of intent to cancel shall be mailed or delivered to such agent.”
Farm Bureau Ins. Co. v. Allstate Ins. Co., 765 N.E.2d 651 (Ind. Ct. App. 2002).
· cites it 2× “Because Farm Bureau advanced payment to McCracken in the amount of the offer of settlement, Farm Bureau had "full rights of subrogation" pursuant to Indiana Code section 27-7-5-6(b) against Bealmear, the underinsured motorist.”
Erie Ins. Exch. v. Christine Cosme (Ind. Ct. App. 2026).
“§ 27-7-6-5(a)(1). The Cosmes’ designated evidence shows that Erie did not consider the Exclusion Letter a notice of cancellation but instead a “driver 6 In its summary judgment reply brief, Erie asserted that this certification contained “a scrivener’s error.”
— Ind. Code § 27-7-6-5(a)(1) — 1 case
Erie Ins. Exch. v. Christine Cosme (Ind. Ct. App. 2026).
“§ 27-7-6-5(a)(1). The Cosmes’ designated evidence shows that Erie did not consider the Exclusion Letter a notice of cancellation but instead a “driver 6 In its summary judgment reply brief, Erie asserted that this certification contained “a scrivener’s error.”
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