My question involves insurance law for the state of: North Carolina

Hi,

After one year expiration of insurance contract, I chose non-renewal and simply didn't pay the premium up billing (my experience with other insurance company). I didn't

have an escrow account, now they send me to a collection agency for none payment.

I read the contract that isn't automatically renewed. But in cancellation clause: "You may cancel this policy at any time by returning it to us or by letting us know in writing of

the date cancellation is to take effect.

As to non-renewal clause, these isn't a requirement for written notice.

My situation belongs to which one? Thanks in advance for any advice.