Adams

Introduction

In this case, which involves a dispute regarding the effectiveness of a notice of cancellation of an automobile insurance policy due to nonpayment of premiums, plaintiff Timothy Brian Adams appeals from the summary judgment entered in favor of defendant Explorer Insurance Company. We affirm the judgment.

Factual and Procedural Background 1

Explorer Insurance Company (Explorer) issued plaintiff a new personal automobile insurance policy, No. EBU165202700, with an effective date of *442 December 27, 1998. The declarations page of the policy reveals that the policy was issued for a period of one year. At its inception, the policy listed three vehicles, a 1992 Chevrolet Camaro, a 1988 Chevrolet Blazer and a 1998 Chevrolet Suburban, to which the coverage afforded by the policy applied. The policy provided coverage for bodily injury, property damage and uninsured motorist bodily injury. It also provided comprehensive and collision coverage.

Plaintiffs policy premium was to be paid in nine monthly installments. A billing notice dated January 4, 1999 showed that plaintiffs first monthly installment was due on January 26, 1999. Plaintiff routinely was late in…