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Be careful because many policies will not cover any claims prior to the initial coverage date.

You also need to check with your previous insurer as to coverage for acts which occurred before the cancellation date.

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good point, although in this case it wasn't Marie's decision.

I cancelled my policy and knew that any discoveries for past events would no longer be covered, so I paid for two years of "ERP" coverage.  We know how long the IRS can take to get around to sending out notices

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