ID H0011

Amends Idaho Code Section 41-2507 to establish grounds for insurers to cancel or refuse to renew casualty insurance policies, including nonpayment of premium, material misrepresentation, and policy violations.

Allows cancellation or nonrenewal if the named insured fails to disclose motor vehicle accidents, moving traffic violations, or losses covered under physical damage or comprehensive coverage within the preceding 36 months.

Permits cancellation or nonrenewal based on driver conduct including license suspension or revocation, conviction records, addiction to narcotics or drugs, excessive alcohol use, or three or more traffic violations within 36 months.

Authorizes cancellation or nonrenewal if the insured vehicle is mechanically defective, used for commercial purposes (including passenger transport for hire), modified to increase risk substantially, or fails required inspections.

Adds authority for insurers to refuse renewal if the insured automobile is registered in a jurisdiction other than Idaho.