How must changes to an insurance policy be documented?

Changes to an insurance policy must be documented with a written endorsement from the insurer. This requirement ensures that any modifications to the policy are officially recorded and acknowledged by the insurance company. Written endorsements provide a clear, legally binding record of the changes made, which protects both the insurer and the insured by ensuring all parties are on the same page regarding the terms of the policy.

Using informal methods of communication, such as verbal communications, informal emails, or text messages, does not provide the same level of documentation and legality. These methods can lead to misunderstandings or disputes about what changes were agreed upon, as they may lack clarity and are not formally recognized as part of the insurance contract. Thus, the written endorsement by the insurer is the only method that ensures proper legal standing and clarity in the policy changes.