§ 1981 Insurer Abandonment Notice Rights

• •The insurer must explicitly accept an abandonment; silence isn’t enough.
• •The insured’s rights stay alive even after they try to abandon.
• •Acceptance of abandonment is not assumed just because the insurer doesn’t reply.

A homeowner tells their insurance company they are giving up on a claim and then never hears back.

Because the insurer didn’t say they accept the abandonment, the homeowner still has the right to pursue the claim, and the insurer’s silence can’t be taken as agreement.