If notice of nonrenewal is delivered later than 60 days before expiration, coverage remains in effect until which date?

• A. Expiration date
• B. 61st day after notice date
• C. 30 days after notice
• D. 90 days after expiration

Answer: (B)

If the insurer does not give nonrenewal notice at least 60 days before the policy expires, the coverage doesn’t lapse at the expiration date. Instead, the policy remains in force through the 61st day after the notice date. This extension protects the insured from an unexpected gap while they arrange new coverage.

So, when notice is late, the end date is the 61st day after the notice is issued. The expiration date applies only if the notice was timely. The other options don’t reflect the built-in extension provided to avoid a lapse due to late notice.