- 15,041
Its tricky for telesales. Some carriers don't allow replacements over the phone. Some states require you to get a wet signature.
How is it tricky? Follow the guidelines. This is why some companies are better for telesales than others. Also, avoid states where it is the DOI that is the issue and not the carrier.
It is your choice who to work with, and it is your choice to be legal and ethical by following replacement rules.