Missouri Crop Insurance Practice Test

To cancel a crop hail policy, the insured must provide written notice to the insurer. This requirement is in place to ensure that there is a formal record of the cancellation request, which protects both the insured and the insurer. Written notice establishes a clear date and context for when the cancellation was requested, which is important for determining any potential refund of premiums and for record-keeping purposes.

Other forms of cancellation, such as verbal communications (like a phone call) or notifications via email, may not create the same level of documentation and clarity regarding the intention to cancel. Simply relying on a phone call or an email might lead to misunderstandings or disputes over whether the cancellation was effectively communicated. Additionally, an automatic cancellation after a year does not apply in most cases, as crop hail policies typically require proactive steps from the insured to cancel.