Article 2648

A policy may be modified or renewed in the manner provided by the provisions of the policy.

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.

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.