Yes, insurance companies have the right to automatically renew your policy without your consent if certain criteria are met. In many cases, the insurer will send out a renewal notice prior to the expiration date of your policy, often several weeks or even months ahead of time. The notice will typically include an overview of the insurance coverage and any changes that will be applied to the policy if you choose to renew.
If you choose to let the policy automatically renew, the insurer will keep your coverage active until you decide to make any changes. It is important to review the renewal notice and understand any changes that have been made so that you can make sure the policy still meets your needs and the specific coverage you desire. If you find that changes are not in your best interest, you can contact the insurer to discuss other options.
Some states require that insurance companies provide notification when policies are set to auto-renew, so you may be able to find details about the auto-renewal process and any applicable deadlines in the renewal notice.