Imagine this: Your insurance agent calls and informs you that your auto insurance policy is being cancelled, offering no further explanation. You are stunned, the first question that pops into your mind is, "Can they actually do this?" The answer to that question is a very unsatisfying, it depends. First the bad news. During the so-called "binding period," which is typically the first 30 to 60 days of your policy, depending on your state laws, your insurer is free to cancel at will, without offering an explanation. This period allows the insurer to investigate the accuracy of your application and decide if they want to accept you as a risk. The most common reason for a cancellation during the binding period is due to underwriting, says Kristofer Kirchen, president of Advanced Insurance Managers in Tampa, Fla. "Discovering an undisclosed driver, failure to provide requested information and vehicles that do not meet coverage requirements are common," says Kirchen. Now the good news. Once the binding period has passed your insurer can only cancel for valid reasons. Reasons vary by state but common ones include non-payment, fraud, or suspension of your license. Regardless of whether you are shopping for a new policy or renewing your current one, you have rights when it comes to car insurance. Most people know that you cannot be denied a policy due to your gender, ethnicity or religion. Though specifics can vary by state, beyond these basics, there are other things you should never hear from a car insurance company. Here are 10 things your insurer should never say to you. 1.We are denying your application but are not going to tell you why. Most states require insurers to explain why they are denying an application or non-renewing a policy. If you feel the decision is based on incorrect information you have the right to review your application and to make corrections and appeal the decision.