When the parties agree to a change in the terms of an existing insurance contract,they may do so by attaching a separate paper called

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An endorsement, also known as a rider, is a separate paper that is attached to an existing insurance policy to reflect changes or additions to the original terms of the contract. It is used to modify the coverage, increase or decrease deductibles, or add or remove exclusions. Amendments and supplements are more general terms that can refer to any type of change or addition, whereas recommendations are suggestions and not legally binding.

When the Parties Agree to a Change in the Terms