If you were to have asked Farmer’s to cancel as of a previous date -and had NO replacement coverage as of that requested cancel date, then Farmers would have been allowed to charge you up until the date you actually requested cancelation. If you had already paid the premium in advance, you’d get a refund of everything but the 30 days during which there was no replacement coverage. If you has paid NOTHING yet to Farmers, you’d get a bill for the 30 days.

Example: On Feb 1, you tell Farmers to cancel you as of Jan 1 -a backdated cancelation. But, you had no replacement coverage as of Jan 1. Farmers then cancels Feb 1, and charges you for the 30 days in between (or refunds for all but those 30 days, if you had paid them in advance).

Why is this? Because if you had a claim during those 30 days, Farmer’s would have been on the hook to pay it. And if it were a big liability claim, you’d want them to pay it. Furthermore, a claim for an occurrence during that 30 days could come in several months later -a classic whiplash claim, for example.

Now, if you DID have replacement coverage in force as of the requested cancelation date, Farmers will want to see proof of it. You needn’t show then the actual policy; a copy of the front (declarations) page is enough, or else a copy of an "Evidence of insurance card" will do the trick. You might also be required to sign a statement saying that to the best of your knowledge there are no claims nor any circumstances that might lead to a claim during the 30 days. Give ‘em that and they know there WAS other insurance as of the date you want to cancel -even if that date is in the past. You’d get your premium back, or, if there was no premium paid (and no prior balances anywhere), you’d be billed nothing.

So, chances are you’ll be charged up until the date you asked for cancelation, because you can’t show you had other coverage for the 30 days PRIOR to that; this is a good thing: now you’re out of hot water with the DMV.

The reason for this is that the state is very interested in coverage "being there" in case of an accident; therefore, insurance is REQUIRED. Likewise, if you cancel for any reason, you are required to have replacement coverage so the insurance is continuous. Understandably, the last thing Farmers (or any carrier) wants is to be on the hook for a claim during a period of time when they weren’t getting their premium. Thus, they won’t let go of the policy until they see evidence that something else was actually there. If they don’t have that, the state will stick THEM with your claim.

The policy is based on a simple promise: "If you’ll pay us a premium, will pay or defend your covered losses that are reported to us." Unquestionably, had there been a claim during the 30 days after you WANTED cancelation, Farmers would have had to pay. Likewise, they’re entitled to the premium for that period of time. The only exception is when there is other coverage in force, and, quite understandably, Farmers wants proof of that.

If you do have 30 empty days, the state might discover it. It takes awhile, sometimes, but eventaully the DMV computers will see the gap, and you’ll be asked to show THEM evidence of coverage. If you can’t ptovide it, penalties and fines will vary according to the state you’re in: typically, you’ll pay a fine plus what the premium would have been had you been covered through the state auto insurance fund -by whatever name it goes. Not all states check every record -some do every tenth, or observe another formula.
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Simple answer, No.

Nope. You dont have to show them your old policy at all.