It is not legal for a car dealer to cancel your full coverage car insurance policy without your consent, as this decision typically falls under the jurisdiction of the insurance company. Insurance companies are regulated by state laws and are generally required to provide notice before canceling a policy. The specific requirements for notice can vary by state, but it is common for insurers to be required to provide at least 10-20 days' notice prior to cancellation, except in cases of nonpayment. Some states may also allow insurers to cancel a policy within the first 60 days for any reason. However, unless you have violated the terms of your policy or your risk has substantially increased, your insurer should not be able to cancel your coverage without your consent. Additionally, it is worth noting that car dealers are not typically involved in the cancellation of car insurance policies, as this is a matter between the policyholder and the insurance company.
There are certain circumstances under which an insurance company may cancel your policy without your consent, such as if you fail to pay your premiums or if you violate the terms of your policy. For example, if you provide false information on your application or if you engage in dangerous driving behavior, your insurer may have grounds to cancel your coverage. In some states, insurers may also be able to cancel your policy if your driver's license or motor vehicle registration is revoked, or if the license or registration of someone in your household is revoked. If you have a medical condition that affects your ability to drive safely, your insurer may also be able to cancel your policy. However, in these cases, your insurer should still be required to provide notice before canceling your coverage. It is important to carefully review the terms of your policy and to comply with all of its requirements in order to avoid cancellation. If you have any questions or concerns about your policy, it is always a good idea to contact your insurance company or agent for clarification.