Automobile insurance; require reinstatement of policy where insurer fails to provide proper notice and insured pays premiums.

SB 2380 requires auto insurers in Mississippi to reinstate policies if cancellation notices for nonpayment are sent to an incorrect address (not the one on file), allowing insured drivers to pay overdue premiums and restore coverage under original terms. It directly affects policyholders who miss cancellation notices due to address errors, ensuring they aren’t unfairly dropped for nonpayment. The bill amends insurance notice rules to mandate 30-45 days’ notice for cancellation (depending on date), with specific reinstatement rights if notices are improperly mailed. The bill died in committee on February 3, 2026, and was never enacted.