What happens to Mo's vehicle insurance policy after he does not receive a renewal notice due to a change of address?

The correct interpretation of what happens to Mo's vehicle insurance policy when he does not receive a renewal notice due to a change of address is that the contract has expired and he is not covered. In many jurisdictions, if an insurance policy is not renewed and the insured fails to take proactive measures—such as contacting the insurer or updating their address—it typically results in the policy lapsing.

Insurance contracts often require the insured party to affirmatively renew their coverage, especially if they do not receive a renewal notice. The failure to receive such a notice does not automatically result in an extension of coverage; rather, it can indicate that the policy will not continue without an active renewal from the policyholder. When a policy lapses, the insured is generally left without coverage for any incidents that occur after the expiration date, meaning Mo would not be insured if he were to file a claim after his policy has expired due to non-renewal.

Other choices, such as the contract remaining in effect until Mo renews it or being automatically renewed, inaccurately imply that the policy would continue despite the non-renewal notice. Additionally, the obligation for the insurer to inform him of non-renewal does not negate the lapsing of coverage if Mo did not