26.1-39-20. Duplicate coverage - Termination of coverage when another policy in force - Notice

26.1-39-20. Duplicate coverage - Termination of coverage when another policy in force - Notice. Notwithstanding the failure of an insurer to comply with sections 26.1-39-13 through 26.1-39-16, if an insured obtains a replacement policy providing equal or more extensive coverage for a property covered in both policies, the first insurer's coverage of that property may be terminated either by cancellation or nonrenewal. The termination is effective on the effective date of the second policy providing duplicate replacement coverage. Upon termination, the insured is entitled to a refund of the premium and written notice must be mailed or delivered to the named insured.