OPINION
GARBARINO, Judge.
Arizona Revised Statutes Annotated (A.R.S.) section 20-1632(A) (Supp. 1995) states that a notice of cancellation shall be mailed to an insured "at least ten days prior to the effective date of such ... cancellation ... [and] shall include or be accompanied by all" of certain enumerated items, including a refund of unearned premium. Subsection B mandates that failure to comply with subsection A shall invalidate any cancellation. A...
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