Why Would an Insurance Company Drop You? The Truth Revealed

Why would an insurance company drop you? It’s a question that haunts many policyholders. From missed payments to fraudulent claims, a multitude of factors can lead to a policy’s termination. This thread dives deep into the intricate reasons behind insurance company cancellations, exploring everything from common policy violations to the impact of claims history.

Uncover the hidden pitfalls that could jeopardize your insurance coverage. Learn how seemingly minor infractions can snowball into serious consequences, impacting your protection and financial well-being. We’ll break down the specifics for various policy types and illustrate the consequences with real-life scenarios.

Reasons for Cancellation

Insurance policies are meticulously crafted contracts, outlining the responsibilities of both the insurer and the policyholder. Breaches of these agreements can lead to the termination of coverage. Understanding the common reasons for cancellation empowers policyholders to maintain their coverage and avoid potential financial hardship.Policy cancellations are not arbitrary decisions; they are based on established criteria and procedures. These processes, while sometimes perceived as punitive, are designed to uphold the integrity of the insurance system and ensure fair treatment for all policyholders.

Common Reasons for Policy Termination

Insurance companies may terminate a policy for various reasons, ranging from simple administrative errors to serious violations of policy terms. Understanding these common reasons allows policyholders to proactively avoid actions that could jeopardize their coverage.

• Failure to pay premiums in a timely manner is a frequent cause of policy termination. Missed payments, even by a single day, can trigger cancellation procedures, often leading to a lapse in coverage.
• Providing false or misleading information during the application process can result in policy cancellation. This includes omitting material facts or providing intentionally inaccurate details about the insured property or individual.
• Changes in the insured property’s risk profile may lead to cancellation. For instance, if a property becomes significantly more hazardous (e.g., a fire hazard due to a dilapidated roof) the insurance company may cancel the policy due to increased risk.
• Policy violations, such as using the insured property for purposes other than those stated in the policy, can trigger termination. For example, renting out a property covered under a homeowner’s policy without notifying the insurer may be a violation that could lead to cancellation.
• Claims filed with fraudulent intent can lead to immediate policy cancellation. Insurance companies are obligated to maintain the integrity of their operations and will not tolerate fraudulent claims.

Criteria for Assessing Policyholders

Insurance companies employ a systematic process to assess policyholders for potential termination. This involves reviewing various factors and comparing them against established policy terms and conditions.

• Payment history is a critical factor. A consistent pattern of late or missed payments triggers a review, and in severe cases, termination.
• Policyholder compliance with the terms and conditions of the policy is a major consideration. Any documented instances of non-compliance, such as using the insured vehicle for illegal activities, will be scrutinized.
• Risk assessments are conducted regularly to evaluate the potential for future claims. Changes in risk factors, such as upgrades or renovations to a property, can trigger a re-evaluation of the policy’s terms.
• Claims history is another significant factor. A history of frequent or substantial claims may indicate a higher risk profile, potentially leading to policy termination.

Termination Procedures

The termination process, while varying slightly by insurer, generally follows a standard procedure. Understanding this procedure helps policyholders to address potential issues proactively.

• Notice of potential cancellation is typically provided in writing. This notice clearly Artikels the specific reason for the potential termination and the steps the policyholder can take to rectify the situation.
• A specified timeframe is often given to the policyholder to address the issue. This timeframe allows the policyholder to rectify any discrepancies and maintain coverage.
• The insurer provides clear communication channels for policyholders to appeal the decision. This ensures that policyholders have a chance to present their case and challenge the grounds for termination.

Severity of Policy Violations

Different policy violations carry varying degrees of severity. This table illustrates the potential consequences of different violations.

Violation	Description	Severity
Late Premium Payments	Repeated missed or late premium payments	Low to Moderate
Misrepresentation	Providing false information during application	Moderate to High
Fraudulent Claims	Filing a claim with fraudulent intent	High
Unauthorized Use of Property	Using the insured property for an unauthorized purpose	Moderate

Types of Insurance Policies

Insurance companies offer a variety of policies to cater to different needs. Understanding the specific terms and conditions of each policy type is crucial for maintaining coverage and avoiding cancellation. Each policy type has its own set of factors that influence the decision to cancel a policy, from claims frequency to policy violations.Different insurance policies are tailored for specific risks and circumstances.

Policies are designed to protect against unforeseen events and losses, from vehicle accidents to property damage. However, policyholders must adhere to the terms and conditions Artikeld in the policy documents to maintain coverage.

Auto Insurance Policies

Auto insurance policies are designed to protect policyholders from financial losses associated with car accidents. These policies cover damages to the insured vehicle, injuries to occupants, and liability for damages to other people or their property.Factors influencing cancellation decisions for auto policies often include a history of accidents or violations. A series of at-fault accidents, speeding tickets, or other traffic violations can trigger a review of the policy.

Furthermore, failure to maintain required coverage or pay premiums on time can lead to policy cancellation.

• Accidents and Violations: A pattern of accidents or violations, such as speeding tickets or reckless driving, can raise concerns about risk and lead to policy cancellation. For example, a driver with multiple at-fault accidents within a short period may face termination of coverage.
• Premium Non-payment: Consistent failure to pay premiums as agreed upon in the policy terms is a major reason for policy cancellation. This is a straightforward breach of contract, as the payment of premiums is a fundamental obligation.
• Vehicle Modifications: Unauthorized modifications to the insured vehicle that increase its risk profile could lead to policy cancellation. For example, installing a high-performance engine without notifying the insurer may result in termination.

Policy Term	Description	Violation Example
Premium Payments	Regular payment of premiums as per the policy schedule.	Missed or late premium payments for three consecutive months.
Vehicle Use	Compliance with stated usage terms, such as driving restrictions or vehicle types.	Using the insured vehicle for illegal activities or for purposes not covered in the policy.
Claims Reporting	Accurate and timely reporting of any accidents or damages.	Failure to report an accident or delaying the report for an unreasonable period.

Homeowners Insurance Policies

Homeowners insurance protects property from various risks, including fire, theft, and natural disasters. Maintaining a property’s safety and adherence to policy terms are crucial to sustaining coverage.Factors impacting homeowners policy cancellation often include property damage or changes, or failure to maintain the property’s condition. Significant changes to the property, such as major renovations or additions without notifying the insurer, could be cause for policy cancellation.

Similarly, frequent or significant damage to the property that is not adequately reported can also lead to termination.

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• Property Damage: Severe or repeated property damage that is not adequately reported or caused by negligence can lead to policy cancellation. For instance, failing to promptly report water damage from a leaky roof can result in termination.
• Violation of Property Conditions: Failure to maintain the property in a reasonably safe condition, such as failing to address known hazards or ignoring safety regulations, could lead to policy cancellation. For example, a property with a known, unaddressed fire hazard.
• Changes to the Property: Significant changes to the property, such as renovations or additions, without notifying the insurer may result in policy termination. This is often because the insurer needs to reassess the risk profile of the property.

Policy Term	Description	Violation Example
Maintenance	Keeping the property in good repair and addressing potential hazards.	Failing to maintain gutters, leading to water damage.
Policy Modifications	Informing the insurer of any significant changes to the property.	Adding a swimming pool without notifying the insurer.
Claims Reporting	Prompt reporting of any damage or loss.	Failing to report a theft or delaying reporting for an unreasonable period.

Health Insurance Policies

Health insurance policies protect policyholders from financial burdens associated with medical expenses. Understanding policy terms and maintaining compliance are vital for continuous coverage.Factors influencing cancellation of health insurance policies often relate to misrepresentation or non-payment. Providing inaccurate information during the application process can lead to policy cancellation. Similarly, non-payment of premiums or failure to meet other obligations Artikeld in the policy contract can also result in termination.

• Misrepresentation: Providing inaccurate or misleading information during the application process can lead to policy cancellation. For example, if a pre-existing condition is not disclosed.
• Premium Non-payment: Failure to meet the agreed-upon premium payment schedule can lead to policy termination. Missed or late payments for a specified period often result in cancellation.
• Policy Violations: Violations of policy terms and conditions, such as failing to adhere to treatment guidelines, can lead to policy cancellation. This can also include failing to comply with a pre-authorization requirement for a medical procedure.

Policy Term	Description	Violation Example
Premium Payments	Regular payment of premiums as per the policy schedule.	Missed or late premium payments for a specified period.
Claim Reporting	Accurate and timely reporting of claims.	Failure to report medical procedures or delaying reporting for an unreasonable period.
Eligibility Requirements	Meeting the eligibility requirements specified in the policy.	Failing to meet the specified waiting periods or other eligibility criteria.

Policyholder Actions Leading to Cancellation: Why Would An Insurance Company Drop You

Insurance policies are contracts, and like any contract, they have specific terms and conditions that both the policyholder and the insurance company must adhere to. Breaching these terms can lead to cancellation of the policy. Understanding these potential violations is crucial for maintaining coverage and avoiding financial repercussions.

Examples of Policyholder Actions Leading to Cancellation

Policyholders have a responsibility to uphold the terms of their insurance contracts. Failure to do so can result in policy cancellation. These actions often involve a breach of trust and responsibility, impacting the insurance company’s ability to manage risk effectively.

Misrepresentation of Facts

Providing inaccurate information during the application process or failing to disclose material facts can result in policy cancellation. This includes concealing pre-existing conditions, misrepresenting the value of assets, or failing to disclose relevant details about the insured property or activity. For example, a homeowner who intentionally omits a faulty electrical system from their home insurance application could face cancellation after a fire.

Failure to Pay Premiums

Consistent or repeated failure to pay premiums is a significant cause of policy cancellation. Insurance companies rely on premium payments to cover claims and operate their business. A missed or late payment, without a valid reason or arrangement, can lead to policy termination.

Unauthorized Modifications or Alterations

Unauthorized modifications or alterations to the insured property or activity can void or cancel a policy. Examples include significant renovations to a home without notifying the insurer, or a change in the use of a property that deviates from the policy’s terms. A policyholder converting a garage into a commercial workshop without disclosing this change could face cancellation.

Violation of Policy Conditions

Policyholders must comply with the specific conditions Artikeld in their policy. These conditions often involve responsible behavior and avoiding activities that increase the risk of a claim. For instance, a driver who frequently speeds or engages in reckless driving, leading to several traffic violations, could have their car insurance canceled.

Claim Fraud

Filing a fraudulent claim is a serious offense and can result in immediate policy cancellation. This includes exaggerating damages, making false statements, or fabricating a claim. Insurance companies have sophisticated methods for detecting fraud, and any attempt to deceive the insurer can lead to legal action.

Table Illustrating Scenarios and Consequences

Scenario	Action	Consequences
Misrepresentation	Concealing pre-existing medical condition during application.	Policy cancellation, potential legal action.
Premium Payment	Repeatedly missing premium payments without notification.	Policy cancellation.
Unauthorized Modification	Adding a high-risk home addition without informing the insurer.	Policy cancellation, potential claim denial if damage occurs.
Policy Condition Violation	Using a vehicle for commercial purposes without notifying the insurer.	Policy cancellation.
Claim Fraud	Submitting a fraudulent claim for property damage.	Policy cancellation, legal action, potential criminal charges.

Claims and Cancellation

Insurance policies are designed to protect policyholders from unforeseen events. However, the frequency and nature of claims can significantly impact the financial viability of the insurance company. A careful assessment of claim history is crucial for both the insurer and the policyholder to ensure the policy remains a viable and beneficial agreement.

Impact of Claims on Policy Renewal, Why would an insurance company drop you

Claims are a core element in determining the risk associated with a policyholder. A single claim, while unfortunate for the policyholder, might not automatically result in cancellation. However, a pattern of claims, regardless of their nature, can trigger a review of the policy’s viability for the insurer. Insurers assess the overall risk profile, considering factors such as the claim frequency and the potential cost of future claims.

Multiple Claims and Policy Cancellation

Multiple claims within a short period often raise red flags for insurers. The frequency of claims can indicate a higher-than-average risk profile for the policyholder. This increased risk necessitates a recalibration of the premium or, in extreme cases, the cancellation of the policy. A history of multiple claims, regardless of the type or severity, can impact the likelihood of policy renewal.

History of Claims and Policy Continuation

A history of claims, even if not frequent or severe, can influence an insurer’s decision to renew a policy. Insurers analyze the frequency and nature of claims to assess the long-term risk associated with the policyholder. A consistent pattern of claims suggests a potential for future claims, and this elevated risk profile can result in higher premiums or, in certain situations, policy cancellation.

Examples of Claim Types and Potential Impact

Claim Type	Potential Impact on Policy Renewal
Minor property damage (e.g., fender bender)	Likely no impact on renewal, unless frequent.
Major property damage (e.g., fire)	May impact renewal, depending on the severity and frequency. High severity could lead to cancellation.
Personal injury (e.g., slip and fall)	May impact renewal, depending on severity and frequency. Multiple claims could lead to higher premiums or cancellation.
Vehicle accident (e.g., multiple accidents in a year)	High frequency of vehicle accidents will likely impact the renewal of the policy, leading to a significant increase in premiums or cancellation.
Health claims (e.g., multiple claims for the same condition)	Frequent health claims may lead to higher premiums, limited coverage, or policy cancellation, especially if the claims are for the same or similar conditions.

Payment History and Cancellation

Consistent payment history is crucial for maintaining insurance coverage. Insurance companies rely on predictable premium payments to manage their financial obligations and ensure the stability of their operations. Failure to meet these payment expectations can result in policy cancellation.Payment history is a significant factor in determining the continuation of an insurance policy. Delays or missed payments can trigger a cancellation process, impacting the policyholder’s protection.

Understanding the specifics of how payment history affects policy continuation is essential for maintaining coverage.

Impact of Late Payments

Late payments, even if ultimately made, can negatively impact a policyholder’s relationship with the insurance company. Repeated instances of late payments can signal a pattern of non-compliance and create a risk for the company. The insurance company may view this as an indication of a higher risk profile for the policyholder, and it may eventually lead to policy cancellation.

Consequences of Missed Payments

Missed premium payments directly affect the policy’s active status. Without timely payment, the policy may be considered lapsed or terminated. This lapse can result in the loss of coverage, rendering the policyholder unprotected against the insured risks. In some cases, reinstatement of the policy may be possible, but it’s often subject to additional fees and conditions.

Policy Cancellation Due to Non-Payment

Non-payment of premiums, irrespective of the reason, directly leads to policy cancellation. Insurance companies have established procedures to manage non-payment situations. This may include sending notices, providing grace periods, and ultimately terminating the policy if the payment is not received within the stipulated timeframe.

Illustrative Payment Scenarios

The following table demonstrates the consequences of various payment scenarios:

Payment Scenario	Policy Status	Consequences
Consistent on-time payments	Policy active and in good standing	Continued coverage without interruption.
One late payment within the grace period	Policy may be marked as late but remains active	Usually no immediate impact; late fee may apply.
Multiple late payments within the grace period	Policy status may be flagged as at risk	Increased risk of cancellation; the insurer may issue warnings or require immediate payment.
Missed payment outside the grace period	Policy lapsed or cancelled	Coverage is terminated; reinstatement may be possible but with additional fees.
Non-payment of premiums after repeated late payments	Policy cancelled	Coverage immediately terminates; reinstatement may be difficult or impossible.

Changes in Coverage or Circumstances

Insurance policies are not static documents; they reflect the evolving needs and circumstances of the policyholder. Changes in coverage or personal circumstances can trigger a review of the policy, potentially leading to its cancellation. Understanding these triggers is crucial for maintaining coverage and avoiding unexpected disruptions.Changes in coverage or circumstances can prompt an insurance company to cancel a policy.

These changes can range from simple updates, such as a change of address, to more significant alterations in risk factors or insurability. A thorough understanding of these triggers can help policyholders avoid unexpected cancellations.

Change of Address

A change of address is a common circumstance that can lead to policy cancellation. Insurance companies need to update their records for accurate policy servicing. Failing to report a change of address can lead to delays in claims processing or, in some cases, policy cancellation. Maintaining accurate address information is crucial to avoid these issues.

Change of Occupation

Changes in occupation can significantly alter the risk profile of a policyholder. For example, a switch from a sedentary office job to a physically demanding construction job might increase the risk of accidents or injuries. This heightened risk could make the policyholder less insurable and lead to policy cancellation. Insurance companies carefully assess these changes to ensure the policy remains aligned with the updated risk profile.

Change in Risk Factors or Insurability

Factors like health conditions, driving records, and lifestyle choices can affect insurability. A new diagnosis, for instance, can impact a health insurance policy, leading to cancellation if the insurer deems the risk too high. Similarly, a history of traffic violations might lead to a cancellation of an auto insurance policy. The insurer’s assessment of risk is critical to the continuation of the policy.

Table Comparing Scenarios of Cancellation Due to Change in Circumstances

Scenario	Change in Circumstance	Impact on Policy
Example 1	Policyholder moves to a high-risk flood zone, without notifying the insurer.	Policy cancellation due to increased risk of damage.
Example 2	Policyholder’s occupation changes to a high-risk profession, without updating the insurer.	Policy cancellation due to an increase in potential claims.
Example 3	Policyholder’s health deteriorates significantly, resulting in a higher claim frequency.	Policy cancellation or premium increase due to heightened risk.
Example 4	Policyholder’s driving record shows multiple traffic violations.	Policy cancellation or premium increase due to increased accident risk.

Fraudulent Activity and Cancellation

Insurance policies are designed to protect policyholders from unforeseen events. However, fraudulent activity undermines the integrity of the insurance system and directly impacts the ability of insurers to fulfill their obligations. This fraudulent behavior not only jeopardizes the financial stability of the company but also potentially impacts the coverage of legitimate claims.

Impact on Policy Continuation

Fraudulent activity, in any form, is a significant breach of trust and a direct threat to the continuation of an insurance policy. Insurance companies have a responsibility to ensure the validity of claims and the accuracy of information provided. When fraudulent activity is detected, the policy is typically cancelled, with the possibility of further legal action. This cancellation often results in significant financial losses and potential legal repercussions for the policyholder.

Examples of Fraudulent Claims

Insurance fraud can manifest in various ways. These include:

• Fabricating an accident or event to trigger a claim. For instance, a policyholder might falsely claim that their car was damaged in an accident, resulting in a claim for repair or replacement. Another example could be exaggerating the severity of injuries sustained in an accident.
• Exaggerating or falsifying the value of property damage or loss. This often involves inflated claims for damaged goods or stolen items.
• Submitting false medical records or documentation to support a claim for injury or illness.
• Submitting multiple claims for the same incident or loss.
• Misrepresenting policy coverage or making misleading statements about circumstances that may affect the claim.

Investigative Process

When insurance companies suspect fraudulent activity, they typically initiate an investigation. This involves a thorough review of the claim documentation, including:

• Police reports and accident documentation, if applicable.
• Medical records, bills, and other supporting evidence.
• Statements from witnesses, including the policyholder and others involved in the incident.
• Verification of the policyholder’s identity and claims history.
• Comparison of information provided against other sources to detect inconsistencies.

Consequences of Fraudulent Activity

The consequences of fraudulent activity are severe and can include:

• Immediate policy cancellation.
• Refusal to pay any outstanding claims.
• Legal action, including lawsuits for damages and penalties.
• A significant impact on the policyholder’s credit rating.
• Permanent denial of future insurance coverage from the same or other insurance companies.

Policyholder Rights and Appeals

Policyholders have specific rights when an insurance company decides to cancel their policy. Understanding these rights and the appeals process is crucial for navigating such situations effectively. Knowing the steps involved empowers policyholders to protect their interests and potentially reinstate coverage.

Policyholder Rights Regarding Cancellation

Insurance policies typically Artikel the grounds for cancellation. These rights often include the right to be informed of the cancellation reasons in writing and the right to review the specific provisions of the policy. This written notification should clearly articulate the grounds for cancellation, referencing the policy’s clauses or relevant laws. It is essential to carefully examine the notification for accuracy and completeness.

Policyholders have the right to a fair process, and the cancellation notice should explain the steps a policyholder can take to appeal the decision.

Procedures for Appealing a Cancellation Decision

Most insurance policies provide a process for appealing a cancellation decision. This often involves submitting a written appeal to the insurance company within a specified timeframe. The appeal should clearly articulate the reasons why the policyholder believes the cancellation is unwarranted. This might include disputing the accuracy of information used to justify the cancellation or highlighting extenuating circumstances.

Insurance companies typically have a specific appeal form or procedure Artikeld in their policy documents, and this procedure should be followed meticulously.

Steps a Policyholder Can Take to Challenge a Cancellation

Policyholders should meticulously document all communications with the insurance company regarding the cancellation. This includes copies of all correspondence, dates of communication, and names of individuals contacted. This record-keeping is essential for building a strong case. Consulting with an attorney or consumer advocate can provide valuable insights and guidance. These professionals can advise on legal options and potentially assist in negotiating a resolution.

Table Outlining the Steps Involved in Appealing a Policy Cancellation Decision

Step	Action
1	Review the Cancellation Notice: Carefully examine the notice to understand the reasons for cancellation. Note any discrepancies or areas of dispute.
2	Gather Supporting Documentation: Collect any documents that support the policyholder’s position. This may include proof of payment, relevant medical records (if applicable), or any other evidence that refutes the grounds for cancellation.
3	Draft a Formal Appeal Letter: Clearly and concisely state the reasons for appealing the cancellation. Reference specific policy provisions or laws that support the appeal. Include all supporting documentation.
4	Submit the Appeal: Follow the specific procedures Artikeld in the policy or by the insurance company. This may involve submitting the appeal letter via mail, email, or through an online portal. Keep a record of the submission date.
5	Follow Up: Contact the insurance company to track the progress of the appeal. Request a confirmation of receipt and a timeline for a decision.
6	Consider Legal Counsel: If the appeal is unsuccessful, consulting with an attorney or consumer advocate might be necessary to explore further legal options.

Illustrative Scenarios

Insurance policy cancellations can stem from various reasons, often involving policyholder actions or circumstances beyond the insurer’s control. Understanding these scenarios can help policyholders anticipate potential issues and proactively address them. These examples illustrate common situations leading to cancellation or successful retention of coverage.

Policy Cancellation Due to a Specific Violation

Policyholders may face cancellation for a single, significant violation of the policy terms. These violations often involve deliberate actions that increase risk beyond the insurer’s acceptable parameters. For instance, a homeowner’s policy might be cancelled if the policyholder knowingly made false statements about the condition of the property in the application, or if they deliberately concealed a pre-existing issue.

• Scenario: A homeowner’s policy is cancelled due to misrepresentation. A policyholder intentionally misrepresented the age and condition of their home’s electrical system in their application. The insurer discovered this during a routine inspection and immediately cancelled the policy, citing material misrepresentation as a violation of the policy’s terms and conditions. The insurer’s investigation found the policyholder knowingly provided false information to secure coverage.

Policy Cancellation Due to Multiple Violations

Multiple violations, even minor ones, can cumulatively lead to policy cancellation. Insurers often have a threshold of violations that trigger cancellation. These violations can encompass a range of actions, such as missed premium payments, filing multiple claims within a short period, or engaging in risky activities.

• Scenario: A driver with a history of multiple speeding tickets and at-fault accidents has their auto insurance policy cancelled. The policyholder had several claims within a year, exceeding the insurer’s tolerance level. Their history of reckless driving, coupled with the high frequency of claims, demonstrated a significant increase in risk that the insurer could no longer accept.

Successful Prevention of Policy Cancellation

Policyholders can sometimes successfully prevent cancellation by proactively addressing the issues that prompted the insurer’s actions. This often involves prompt communication and a willingness to work with the insurer to find a solution. A good understanding of policy terms and conditions, coupled with clear communication, can make a significant difference.

• Scenario: A policyholder consistently missed premium payments. Recognizing the pattern, the policyholder contacted the insurer immediately and explained the financial hardship they were facing. They worked with the insurer to create a payment plan and demonstrated a commitment to resolving the issue, ultimately preventing the cancellation of their policy.

Last Point

In conclusion, understanding the potential triggers for insurance cancellation is crucial for maintaining your coverage. By being aware of the terms and conditions, adhering to payment schedules, and avoiding fraudulent activities, you can significantly reduce the risk of losing your insurance protection. Stay informed, stay protected.

FAQ Resource

What if I’m late on a payment?

Consistent late payments can trigger cancellation, especially if the insurer has established clear payment deadlines and policies. Contact your insurance provider immediately to discuss payment options if you anticipate difficulty meeting deadlines.

Can a single claim lead to cancellation?

A single claim, depending on its nature and the insurer’s policies, might not automatically lead to cancellation. However, a history of claims, regardless of severity, can increase the likelihood of termination.

How do changes in my circumstances affect my policy?

Changes like a move to a higher-risk area or a significant job change could lead to adjustments in your coverage or even cancellation if the updated risk profile is deemed too high. Communicate these changes to your insurer promptly.

What are my rights if my policy is canceled?

Policyholders often have the right to appeal a cancellation decision. Review your policy documents for specific procedures and timelines regarding appeals.