HRS §431:10C-110.5
When an insurer can replace your policy without following cancellation rules
An insurance company can replace your motor vehicle policy with one from its affiliate or subsidiary without following the usual cancellation or nonrenewal rules, but only if the new policy starts when the old one ends, gives you the same or better coverage at a lower price, and you get at least 30 days' written notice and agree to the change.
The statute, as written — ‑110.5] Replacing motor vehicle insurance policy through an insurer's affiliate or subsidiary
An insurer shall be exempt from provisions governing policy cancellations or nonrenewals in sections 431:10C-111, 431:10C-111.5, and 431:10C‑112 if: (1) The insurer offers to replace the insured's policy through the insurer's affiliate or subsidiary; (2) The replacement policy is effective upon the expiration of the existing policy; (3) The replacement policy provides the same or better coverage, terms, and conditions as the existing policy at a lower premium than the existing policy; (4) The insurer provides at least thirty days written notice of the prospective replacement to the insured; provided that the insured may waive notice pursuant to this paragraph; and (5) The insured accepts the replacement policy.
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