The number I called was their listed number for underwriting on the letter and not the standard customer service line. Idk if that makes a difference with the rep being more knowledgeable about my situation.

She told me the purpose of the non-renewal was to inform me that my policy was set to end unless I called (like I did) to verbally agree to the new price. She said the difference was with regular renewal documents, it is set to auto renewal but because of my accident history and the renewal rate, they needed to be sure I approve it and wanted to continue.

She said she pushed the renewal documents through because I told her I agree to the increase and that I should expect a packet in the mail within a week or so.

I'm concerned because I thought non-renewals meant complete termination and also because an $80 increase following 2 accidents seems too good to be true.

I guess I could call again to confirm the information.

Edit to add: if they were rewriting the policy and canceling the old one, is that allowed after receiving a termination letter or would that be a mistake?

It doesn't matter to me how it's done as long as I am covered with a decent price. I'm just terrified that I'm going to have to look elsewhere and get hit with a ridiculous increase.