(a) General liability insurance policies and automobile insurance policies to which this section applies may be cancelled by the company by mailing written notice to the insured of its intent to cancel at least 45 days prior to the effective date of cancellation, except as provided in §5.7014 of this title (relating to Exceptions to Cancellations and Nonrenewal Notice Requirements for General Liability and Certain Automobile Insurance Policies). The company may comply with this provision by requiring or permitting its agent to notify the policyholder. However, the responsibility of giving notice to the insured remains with the company if the agent fails to carry out its instructions to notify the insured.
(b) General liability insurance policies and automobile insurance policies to which this section applies must be renewed at expiration, at the option of the policyholder, unless the company has mailed written notice to the policyholder of its intention to decline renewal at least 45 days in advance of the policy expiration date except as provided in §5.7014(d) of this title (relating to Exceptions to Cancellation and Nonrenewal Notice Requirements for General Liability and Certain Automobile Insurance Policies). The company may comply with this provision by requiring or permitting its agent to notify the policyholder. However, the responsibility of giving notice to the insured remains with the company if the agent fails to carry out its instructions to notify the insured. Upon failure of the insured to pay the renewal premium when due, the company's obligation to renew the policy on its expiration date terminates, regardless of whether the company has given any notice of intent to decline renewal.

Source Note: The provisions of this §5.7013 adopted to be effective October 3, 1986, 11 TexReg 3996