Is it true that an insurance company cannot cancel a policy for violations occurring more than 48 months before renewal?

The statement is true because many states have laws or regulations that limit an insurance company's ability to consider violations that occurred more than 48 months prior to policy renewal. This is designed to protect consumers from losing their insurance coverage due to older infractions that may not accurately reflect their current driving behavior or risk profile. By establishing this time frame, it acknowledges that individuals can change and improve their driving habits over time and discourages insurers from unfairly penalizing them for past mistakes that are no longer relevant. As a result, insurers are generally unable to cancel a policy based on violations that took place more than four years ago at the time of renewal. This protects policyholders and encourages safe driving.