What must an insured do when their automobile insurance policy is modified to accommodate additional coverage?

When an automobile insurance policy is modified to accommodate additional coverage, it is essential for the insured to pay the premium as set for the new terms of coverage. This adjustment reflects the added risk that the insurance company assumes with the new coverage in place and is a fundamental aspect of the insurer's ability to provide continuous coverage.

Paying the premium ensures that the insurance contract remains valid under the new terms. It not only confirms the insured's acceptance of the amended policy but also obligates the insurer to cover any potential claims related to the newly covered risks.

While notifying the broker, signing a new application, or returning the old policy may be relevant actions in certain contexts, they are not mandatory steps that directly correlate with the modification of coverage regarding premium responsibilities. The premium payment stands out as the defining action that maintains the insurance contract's effectiveness in light of the changes made.