BLACKBURN, Judge.
On August 25, 1987, the appellee, Ellis Williams, completed an application for automobile insurance with the Government Employees Insurance Company (GEICO). A section of that application gave Williams the option of accepting or rejecting additional personal injury protection coverage (PIP), and Williams checked the option rejecting any additional PIP. However, following a motor vehicle collision on January 28, 1988, he requested PIP coverage totaling...
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