After a policy of automobile insurance, as defined in Section 143.13, has been effective or renewed for 5 or more years, the company shall not exercise its right of non-renewal unless: a. The policy was obtained through a material misrepresentation; or b. Any insured violated any of the terms and conditions of the policy; or c. The named insured failed to disclose fully his motor vehicle crashes and moving traffic violations for the preceding 36 months, if such information is called for in the application; or d. Any insured made a false or fraudulent claim or knowingly aided or abetted another in the presentation of such a claim; or e. The named insured or any other operator who either resides in the same household or customarily operates an automobile insured under such a policy: 1. Has, within the 12 months prior to the notice of non-renewal had his drivers license under suspension or revocation; or 2. Is or becomes subject to epilepsy or heart attacks, and such individual does not produce a certificate from a physician testifying to his unqualified ability to operate a motor vehicle safely; or 3. Has a crash record, conviction record (criminal or traffic), or a physical or mental condition which is such that his operation of an automobile might endanger the public safety; or 4. Has, within the 36 months prior to the notice of non-renewal, been addicted to the use of narcotics or other drugs; or 5. Has been convicted or pretrial release has been revoked, during the 36 months immediately preceding the notice of non-renewal, for any felony, criminal negligence resulting in death, homicide or assault arising out of the operation of a motor vehicle, operating a motor vehicle while in an intoxicated condition or while under the influence of drugs, being intoxicated while in or about an automobile or while having custody of an automobile, leaving the scene of a crash without stopping to report, theft or unlawful taking of a motor vehicle, making false statements in an application for an operators or chauffeurs license, or has been convicted or pretrial release has been revoked for 3 or more violations within the 12 months immediately preceding the notice of non-renewal, of any law, ordinance or regulation limiting the speed of motor vehicles or any of the provisions of the motor vehicle laws of any state, violation of which constitutes a misdemeanor, whether or not the violations were repetitions of the same offense or different offenses; or f. The insured automobile is: 1. So mechanically defective that its operation might endanger public safety; or 2. Used in carrying passengers for hire or compensation (the use of an automobile for a car pool shall not be considered use of an automobile for hire or compensation); or 3. Used in the business of transportation of flammables or explosives; or 4. An authorized emergency vehicle; or 5. Changed in shape or condition during the policy period so as to increase the risk substantially; or 6. Subject to an inspection law and it has not been inspected or, if inspected, has failed to qualify; or g. The notice of the intention not to renew is mailed to the insured at least 60 days before the date of nonrenewal as provided in Section 143.17. misrepresentation; or conditions of the policy; or motor vehicle crashes and moving traffic violations for the preceding 36 months, if such information is called for in the application; or knowingly aided or abetted another in the presentation of such a claim; or resides in the same household or customarily operates an automobile insured under such a policy: of non-renewal had his drivers license under suspension or revocation; or attacks, and such individual does not produce a certificate from a physician testifying to his unqualified ability to operate a motor vehicle safely; or (criminal or traffic), or a physical or mental condition which is such that his operation of an automobile might endanger the public safety; or of non-renewal, been addicted to the use of narcotics or other drugs; or been revoked, during the 36 months immediately preceding the notice of non-renewal, for any felony, criminal negligence resulting in death, homicide or assault arising out of the operation of a motor vehicle, operating a motor vehicle while in an intoxicated condition or while under the influence of drugs, being intoxicated while in or about an automobile or while having custody of an automobile, leaving the scene of a crash without stopping to report, theft or unlawful taking of a motor vehicle, making false statements in an application for an operators or chauffeurs license, or has been convicted or pretrial release has been revoked for 3 or more violations within the 12 months immediately preceding the notice of non-renewal, of any law, ordinance or regulation limiting the speed of motor vehicles or any of the provisions of the motor vehicle laws of any state, violation of which constitutes a misdemeanor, whether or not the violations were repetitions of the same offense or different offenses; or might endanger public safety; or compensation (the use of an automobile for a car pool shall not be considered use of an automobile for hire or compensation); or flammables or explosives; or policy period so as to increase the risk substantially; or been inspected or, if inspected, has failed to qualify; or to the insured at least 60 days before the date of nonrenewal as provided in Section 143.17.
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