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If you choose to not renew the poilcy, it lapses rather than cancels . The main difference between a lapse and a cancel, is that a. it happens effective the renewal date, and b. you're not subject to any cancellation or penalty fees.You do not have to renew this poilcy but you'd best hustle to find another insurance poilcy you can replace that with, with no lapse in coverage, to avoid problems being uninsured.

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