{
 "schemaVersion": 1,
 "generatedAt": "2026-10-19",
 "notes": "Non-renewal risk flag for the collision calculator (prompt C1). Same pattern as ../homeowners/non-renewal-risk.json (copied, not shared): a band the engine shows on filing-leaning and close-call verdicts, never on a green (pay cash) verdict, plus state rules that limit when an insurer may refuse to renew after accidents. Claim-count bands are our plain-language framing of how insurers treat claim frequency, not a published statistic; they never change which verdict band fires. State limits are only the ones read in a primary source for /auto-accident-insurance-laws/ (accident-state-rules.json) on verifiedOn.",
 "claimBands": {
  "0": {"band": "low", "message": "A first claim in three years rarely costs you the policy, but it does stay on your claims history report."},
  "1": {"band": "elevated", "message": "This would be your second claim in three years. Insurers watch how often you claim, and two in three years can lead to a non-renewal."},
  "2": {"band": "high", "message": "With two or more claims in the last three years, another one raises the odds your insurer won't renew the policy. Weigh that before you file."},
  "notsure": {"band": "elevated", "message": "If you've had other claims in the last three years, another one can lead to a non-renewal. Check your claims history before you file."}
 },
 "stateLimits": {
  "FL": {
   "summary": "Florida bars an insurer from refusing to renew over a single at-fault accident in the current 3-year period.",
   "citation": "Fla. Stat. § 626.9541(1)(o)3.c.",
   "url": "http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0600-0699/0626/Sections/0626.9541.html",
   "quote": "may not fail to renew a policy if the insured has had only one accident in which he or she was at fault within the current 3-year period.",
   "status": "verified",
   "verifiedOn": "2026-10-19"
  },
  "GA": {
   "summary": "Georgia bars a non-renewal based only on claims paid in the last 36 months that total $750 or less.",
   "citation": "O.C.G.A. § 33-24-45(e)(3)(H)",
   "url": "https://law.justia.com/codes/georgia/title-33/chapter-24/article-1/section-33-24-45/",
   "quote": "solely for claims paid or payable pursuant to the policy during the preceding 36 month period which did not aggregate in an amount in excess of $750.00",
   "status": "verified",
   "verifiedOn": "2026-10-19"
  }
 }
}