Opinion ID: 2443511
Heading Depth: 1
Heading Rank: 3

Heading: Banaszak Receives the Progressive packet; Signs and Returns all Documents

Text: The Progressive package contained pre-filled and pre-checked documents: (1) In the section summarizing Banaszak's coverage, the columns for Uninsured/Underinsured Motorist Bodily Injury and Uninsured Motorist Property Damage are both marked as Rejected. (2) A statement on the page informing Banaszak to sign the enclosed forms to avoid a policy cancellation reads: Your application indicates that you did not select Uninsured/Underinsured Motorist coverage. Because this coverage was not selected, the policyholder must sign the enclosed coverage rejection form. If this signed form is not returned, Uninsured/Underinsured Motorist coverage will be added to your policy. (3) A statement on one of the following pages defining UM/UIM coverage. The subsequent paragraph reads: By law, your motor vehicle insurance policy must provide Uninsured Motorist Coverage with minimum limits of $15,000 for bodily injury or death each person/$30,000 bodily injury or death each accident/$10,000 property damage each accident. Additional limits of coverage are available for a modest increase in premium. You may purchase additional limits of Uninsured/Underinsured Motorist Coverage up to limits selected for your Liability Coverage. (4) In a table representing Banaszak's desired insurance coverage, a box marked to reject this Coverage entirely is checked in the row corresponding to Uninsured/Underinsured vehicle coverage (Optional) (Available in limits). (5) Banaszak signed a page labeled Rejection of Uninsured/Underinsured Motorist Coverage. The initial paragraph reads I have been offered Uninsured/Underinsured Motorist Coverage up to an amount equal to the limits of my Liability Coverage and I reject the option to purchase any Uninsured/Underinsured Motorist Coverage. The page then summarizes the benefits of UM/UIM, and states that the signatory disclaims these benefits.