It would depend on the language of the insurance contract and state law. On what grounds is the insurer allowed to cancel unilaterally? What sort of appeal process is there if she claims she wasn’t actually running a motorcycle repair shop out of her home?
If she was paid up, they had no right to cancel, especially since they cancelled for a bogus reason. Good luck, lady; I’d try go fund me.
My 86 year old paranoid dementia mother who has lived in the same house for 50 years. Had same insurance company.
Got a letter describing some issues with the house. She had 9 months to complete repairs.
Fix porch stairs, cut back bushes, clean gutters, and remove a branch.
It was the start of winter, 5 months later all issues were solved.
We took pictures and the day we were going to the insurance company, she got a letter saying her policy was canceled .
What the hell.
Her agent got it all sorted out and no lapse in coverage.
But the shock did not help and she passed away 2 months later.
So ya, insurance can cancel your policy.