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What is required in writing if coverage in a personal injury protection policy is rejected?

A written letter of acceptance

A written letter of rejection

When a policyholder chooses to reject coverage in a personal injury protection policy, it is essential for this decision to be documented formally in writing to provide a clear record of the policyholder's intent. The requirement for a written letter of rejection emphasizes the importance of having concrete evidence that the insured explicitly declined the coverage. This helps protect both the insurer and the insured by ensuring that there is no ambiguity regarding the policyholder's decision.

Written documentation serves as a legal record that can be referenced in the future, promoting transparency and accountability in the insurance process. Simply conveying the rejection via other means, such as a phone call or email, may not provide the same level of assurance or traceability as an official written letter, which is typically expected in insurance agreements to mitigate potential disputes.

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A phone call to the insurer

An email confirmation

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