Under which condition can an insurer cancel an automobile insurance policy in Alabama by giving proper notice?

An insurer in Alabama can cancel an automobile insurance policy under specific conditions, and one of those conditions is nonpayment of premium. This is a fundamental principle across most insurance policies, as timely payment is essential for maintaining coverage.

The use of alcoholic beverages to excess can also be a valid reason for cancellation. If a policyholder engages in behavior that significantly increases their risk profile or has a history of incidents related to excessive alcohol use, an insurer may determine that this warrants cancellation to protect themselves from the financial risks associated with high-risk behavior.

Similarly, if an individual has a medical condition such as being subject to epilepsy attacks, which could affect their driving ability and increase the likelihood of an accident, the insurer might consider this sufficient reason to cancel the policy. Insurers have a duty not only to protect their own interests but also to maintain a responsible risk pool; thus, if a policyholder poses an unreasonable risk, this can lead to cancellation.

Therefore, the option stating that an insurer can cancel an automobile insurance policy for any of these reasons is correct, as all listed conditions represent valid justifications for cancellation in alignment with Alabama's insurance regulations.