Under what condition cannot an insured protest a cancellation of coverage?

The condition where the insured cannot protest a cancellation of coverage is based on the insurance company's ability to demonstrate that they followed proper procedure in notifying the insured of the cancellation. When the insurance company has proof of mailing, it indicates that they have fulfilled their legal obligation to inform the insured about the cancellation of coverage, usually within a specified timeframe. This proof serves as evidence that the notification was sent and therefore, the insured’s ability to contest the cancellation is significantly weakened.

In contrast, factors such as lack of proof of payment, a change of address, or a request for an endorsement are not streamlined to the formal requirement of notification and do not negate the insurance company's procedural actions once they have shown proof of mailing. Therefore, the presence of proof of mailing is a critical factor in the context of whether an insured can successfully protest a cancellation. Understanding this aspect is crucial for complying with regulatory conditions surrounding insurance coverage in Illinois.