{"schemaVersion":1,"recordType":"legal-article","id":"law:eri:code:civil:2015:article:2648","workId":"law:eri:code:civil:2015","expressionId":"law:eri:code:civil:2015:en","title":"Modification or Renewal of Policy","number":"2648","language":"en","canonicalUrl":"https://eriatlas.com/law/civil-code-2015/article/2648/","hierarchy":{"book":"BOOK VI - SPECIAL CONTRACTS","title":"TITLE V- ALEATORY CONTRACTS","chapter":"Chapter 2. - Insurance","section":"Section 2. - Provisions Applicable to all Forms of Insurance","paragraph":"Paragraph 1. - Formation and Content of Insurance Contract"},"paragraphs":[{"id":"p1","number":"1","text":"A policy may be modified or renewed in the manner provided by the provisions of the policy.","canonicalUrl":"https://eriatlas.com/law/civil-code-2015/article/2648/#p1","sourceTargets":[{"sourceId":"civil-code-2015-en","pdfPage":729,"url":"https://eriatlas.com/sources/civil-code-2015/page/729/?article=2648&paragraph=p1#article-2648-p1"}]},{"id":"p2","number":"2","text":"Notwithstanding any provision to the contrary, a policy other than a life insurance policy shall be modified or renewed if the insurer does not reject a written application to modify or renew a policy within fifteen days after the insurer receives the application.","canonicalUrl":"https://eriatlas.com/law/civil-code-2015/article/2648/#p2","sourceTargets":[{"sourceId":"civil-code-2015-en","pdfPage":730,"url":"https://eriatlas.com/sources/civil-code-2015/page/730/?article=2648&paragraph=p2#article-2648-p2"}]},{"id":"p3","number":"3","text":"Any endorsement to the policy providing for a reduction of the insurer’s liability or an increase in the insured's obligations, other than an increased premium, shall be of no effect unless the policy holder consents to the change in writing.","canonicalUrl":"https://eriatlas.com/law/civil-code-2015/article/2648/#p3","sourceTargets":[{"sourceId":"civil-code-2015-en","pdfPage":730,"url":"https://eriatlas.com/sources/civil-code-2015/page/730/?article=2648&paragraph=p3#article-2648-p3"}]}],"caution":"This is the 2015 English-language edition attributed in its front matter to the Ministry of Justice. Eri Atlas has not independently verified the translation, later changes, or whether the text is currently in force. Nine passages are incomplete in the available scan and are identified where they occur."}