Opinion by Judge METZGER.
In this action to recover personal injury protection (PIP) benefits, plaintiff, Cherol Acree, appeals the summary judgment entered in favor of defendant, Mid-Century Insurance (insurer). We reverse and remand for further proceedings.
Plaintiff was injured in an automobile accident in 1990 and timely received PIP benefits from insurer. In 1995, her physician wrote a letter to insurer stating:
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