OPINION BY
¶ 1 In this declaratory judgment action involving a coverage question under the Motor Vehicle Financial Responsibility Law (“MVFRL”), 75 Pa.C.S.A. §§ 1701 et seq., Erie Insurance Exchange (“Erie”) appeals from the Order granting summary judgment in favor of Donna and Charles Larrimore and against Erie. We affirm.
¶ 2 The factual and procedural history may be summarized as follows. On April 24, 2000, Donna Larrimore, then unmarried and known as Donna Green, signed an eight page application for motor vehicle insurance. The application was prepared by an insurance agency representative following а telephone conversation with Donna Larrimore. There is a lack of any definitive independent recollection as to the specifics of any conversation regarding particular coverage amounts. The second page of the application set forth that the coverage applied for included the following: Bodily Injury Liability coverage in the amount of $300,000.00 per person and $300,000.00 per accident; Uninsured Motorist (“UM”) Bodily Injury coverage in the amount of $15,000.00 per person and $30,000.00 per accident, unstacked; and Underinsured Motorist (“UIM”) Bodily Injury coverage in the amount of $15,000.00 per person and $30,000.00 per accident, unstacked. This coverage limits information was inserted in the application by the agent before the application was presented to Donna Larrimore for signature. The eighth page of the application contained the following language immediately preceding the applicant’s signature:
I certify that I have given true and complete answers to the questions in this application. I also certify that I have been offered alternative coverage limits and those listed on this application reflect my choices.
¶ 3 On the same day she signed the application, Larrimore also signed the required “Important Notice” called for under § 1791 of the MVFRL. This single page form set forth, in pertinent part, the following:
IMPORTANT NOTICE
Insurance companies operating in the Commonwealth of Pennsylvania are required by law to make available for purchase the following benefits for you ...:
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(6) Uninsured, Underinsured and Bodily Injury Liability coverage up to at least $100,000 because of injury to one person in any one accident and up to at least $300,000 because of injury to two or more persons in any one accident....
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Additionally, insurers may offer higher benefit levels than those enumerated above as well as additional benefits. However, an insured may elect to purchase lower benefit levels than those enumerated above.
YOUR SIGNATURE ON THIS NOTICE OR YOUR PAYMENT OF ANY RENEWAL PREMIUM EVIDENCES YOUR ACTUAL KNOWLEDGE AND UNDERSTANDING OF THE AVAILABILITY OF THESE BENEFITS AND LIMITS AS WELL AS THE BENEFITS AND LIMITS YOU HAVE SELECTED.
If you have any questions or you do not understand all of the various options available to you, contact your agent or company.
If you do not understand any of the provisions contained in this notice, con *735 tact your agent or company before you sign.
¶ 4 At the time the application and § 1791 “Important Notice” were signed by Larrimore, Erie employed a special form UF-2047 titled “Request for Lower Limits of Underinsured Motorist Coverage” for an insured to specifically request limits of UIM coverage in an amount less than the limits of bodily injury liability coverage, and to insert the amount of UIM coverage sought. This form contained the following language:
By signing this form, I am requesting for myself and members of my household underinsured motorist coverage in an amount less than the limits of my bodily injury liability coverage. I am knowingly and voluntarily rejecting un-derinsured motorist coverage in an amount equal to my bodily injury liability limits. Rаther, I am requesting the following amount of underinsured motorist coverage:
¶ 5 The form then contained blank spaces to insert the amount of UIM coverage sought. Once completed this form was to be signed and dated by the insured. At the same time, Erie employed a similarly titled and styled special form UF-2044 for an insured to request limits of UM coverage in an amount less than the limits of bodily injury liability coverage. In the present case, Erie admits that it is not in possession of any such form UF-2047 or UF-2044 signed by Donna Larrimore.
¶ 6 Erie issued an automobile insurance policy to Donna Larrimore on April 24, 2000. The policy was later amended to add her husband Charles Larrimore as a named insured, further amended to include a second vehicle, and still further amended to stack the UM and UIM coverage for two vehicles in the same amounts as reflected on the initial application.
¶ 7 On July 25, 2006, Donna Larrimore was injured in an automobile accident. Her bodily injury claim against the third party tortfeasor was settled, and she thereafter undertook pursuit of additional compensation through the UIM coverage in her policy with Erie. Taking the position that she never requеsted limits of UIM coverage in an amount less than the limits of her bodily injury liability coverage, Lar-rimore sought UIM benefits totaling $600,000.00, representing an amount equal to her bodily injury limits of $800,000.00, stacked for two vehicles.
¶ 8 On June 22, 2007, Erie filed a declaratory judgment action claiming that Larri-more’s UIM coverage was limited to the amount of UIM coverage reflected on the initial application, ie., $15,000.00 per person and $30,000.00 per accident, though now concededly stacked for two vehicles, for a total of $30,000.00. Erie and Larri-more ultimately filed motions for summary judgment.
¶ 9 By Memorandum Opinion and Ordеr entered January 13, 2009, the Honorable Roger Nanovic, President Judge, in a thorough and well-reasoned decision, denied Erie’s motion for summary judgment and granted the Larrimore motion for summary judgment, entering judgment in favor of Larrimore and against Erie. The trial court specifically ordered that the UIM coverage limits were deemed equal to the bodily injury liability coverage limits, ie., $600,000.00, representing an amount equal to the bodily injury limits of $300,000.00, stacked for two vehicles. Erie filed a motion for reconsideration which was denied by Order entered Februaiy 9, 2009. Erie then filed this appeal. The trial сourt ordered Erie to file a statement of errors complained of on appeal pursuant to Rule 1925 of the Pennsylvania Rules of Appellate Procedure, and Erie complied. The trial court thereafter issued a Rule *736 1925 Opinion, largely incorporating its earlier Memorandum Opinion, but also finding that two issues identified by Erie in its Rule 1925 statement were not properly preserved and were therefore waived.
¶ 10 On appeal, Erie sets for the following statement of questions involved on appeal:
Did the lower court err in finding that the Application for Insurаnce executed by Donna M. Larrimore (then Donna M. Green) on April 24, 2000, did not constitute a valid Section 1734 written request for policy limits of UM Bodily Injury Coverage and UIM Bodily Injury Coverage in amounts less than the limits of Bodily Injury Liability Coverage under Erie Insurance Exchange Policy No. Q04-2407916?
Did the lower court err in holding that Section 1734’s requirement for a written request for limits of Uninsured Motorists/Underinsured Motorists Coverage less than those mandated by Section 1731 is to be narrowly and strictly construed despite the dominant and overarching public policy underpinning the MVFRL of cost containment, such that Section 1734 shоuld not be narrowly and strictly construed?
Did the lower court err in not finding that the receipt by Donna M. Larrimore of quarterly renewal notices, and her payment of lower premiums over six a (6) year period prior to the accident, demonstrated Donna M. Larrimore’s actual knowledge of and acquiescence to her selection of UM Bodily Injury Coverage and UIM Bodily Injury Coverage with limits of protection that were lower than her Bodily Injury Liability Coverage under Erie Insurance Exchange Policy No. Q04-2407916?
Did the lower court err in fading to follow Blood v. Old Guard Insurance Company, 594 Pa. [151] 156,934 A.2d 1218 (2007) and Salazar v. Allstate Insurance Company,549 Pa. 658 ,702 A.2d 1038 (1997), by fashioning a remedy reforming the UM Bodily Injury Coverage and UIM Bodily Injury Coverаge Limits of Protection under Erie Insurance Exchange Policy No. Q04-2407916 such that they were deemed to be equal to the Bodily Injury Liability Coverage Limits, for what the Court found to be Erie’s violation of Section 1734 of the Pennsylvania Motor Vehicle Financial Responsibility Law, when no such remedy exists under the MVFRL?
Brief of Erie at 3.
¶ 11 The present appeal requires review of a grant of summary judgment. The standard governing our review of an order granting a motion for summary judgment is as follows:
We view the record in the light most favorable to the nonmoving party, and all doubts as to the existence of a genuine issue of material fact must be resolved against the moving party. Only where there is no genuine issue as to any material fact and it is clear that the moving party is entitled to a judgment as a matter of law will summary judgment be entered. Our scope of review of a trial court’s order granting or denying summary judgment is plenary, and our standard of review is clear: the trial court’s order will be reversed only where it is established that the court committed an error of law or abused its discretion.
McIntyre Square Associates v. Evans,
¶ 12 Regarding the availability, scope and amount of UM and UIM coverage, § 1731 of the MVFRL provides, in pertinent part, as follows:
(a) Mandatory offering. — No motor vehicle liability insurance policy shall be *737 delivered or issued for delivery in this Commonwealth, with respect to any motor vehicle registered or principally garaged in this Commonwealth, unless uninsured motorist and underinsured motorist coverages are offered therein or supplemental thereto in amounts as provided in section 1734 (relating to request for lower limits of coverage). Purchase of uninsured motorist and un-derinsured motorist coverages is optional.
75 Pa.C.S.A. § 1731(a).
¶ 13 Regarding a request for lower limits of UM and UIM coverage, § 1734 of the MVFRL provides as follows:
A named insured may request in writing the issuance of coverages under section 1731 (relating to availability, scope and amount of coverage) in amounts equal to or less than the limits of liability for bodily injury.
75 Pa.C.S.A. § 1734.
¶ 14 The Supreme Court of Pennsylvania has observed that § 1731 represents “a simple statement whose plain meaning is apparent from its language. It mandates that an insurance company cannot issue a policy in the Commonwealth of Pennsylvania unless it provides UM/UIM coverage equal to the bodily injury liability coverage, exceрt as provided in § 1734.”
Blood v. Old Guard Insurance Company,
¶ 15 Although no specific form is required or prescribed by the MVFRL, to be a valid and enforceable written request under § 1734, the writing must: (1) “manifest the insured’s desire to purchase uninsured and underinsured coverage in amounts equal to or less than the bodily injury limits”; (2) be signed by the named insured; and (3) “include an express designation of the amount of uninsured and underinsured coverage requested.”
Hartford Insurance Company v. O’Mara,
¶ 16 Principally, Erie contends that the application and the § 1791 “Important Notice” together in conjunction constituted a valid and enforceable written request under § 1734. Part of Erie’s argument in this regard is that the trial court added an element to the criteria for determining whether there was a valid and enforceable writing as required by § 1734. In discussing the test, the trial court stated that “[i]n order for the writing to manifest the insured’s desire to purchase reduced coverage, it must be apparent from the face of the writing that a selection process has in fact been engaged in by the insured and that the amount of coverage selected represents a choice by the insured.” Trial Court Opinion, 1/13/09 at 12.
¶ 17 The Memorandum Opinion of the trial court, read in its entirety, belies any suggestion that the trial court somehow added to the test and changed the law. The trial court’s discussion on this point clearly represents an accurate restаtement of established law and does not add to the *738 test. Finding no error in the trial court’s recitation of the correct test, we will review the trial court’s application of the test to the facts presented.
¶ 18 With the statutory framework of § 1731 and § 1734 of the MVFRL in place, we are mindful that where a § 1791 “Important Notice” is properly afforded, as it was here, then “[i]t shall be presumed that the insured has been advised of the benefits and limits available ... and no other notice or rejection shall be required”. 75 Pa.C.S.A. § 1791. This presumption is not determinative of this case, however, unless the insured actually selects coverage in writing in conformity with § 1734.
Motorists Insurance Companies v. Emig,
¶ 19 This Court has observed that a signature on an insurance application “merely evidences the insureds [sic] acceptance of the policy ...,” and “cannot amount to a statutorily enforceable waiver of uninsured/underinsured motorist coverage limits equal to bodily injury limits.”
Emig,
¶ 20 The reasoning of this Court’s decision in
Emig
is dispositive. The issue presented in
Emig
was whether the insured’s signature on a policy change request form indicating lower UM and UIM coverages, together with receipt of the statutory “Important Notice”, constituted a waiver of UM and UIM coverages equal to the bodily liability limits of the policy.
Emig,
¶21 Thereafter, the insured requested increased UM and UIM limits of $50,000.00 per person and $100,000.00 per accident. On renewal of the policy, the insured received a declarations page showing the increased UM and UIM coverages, now equal to her bodily injury liability limits.
Emig,
¶22 The policy change request form contained a section entitled “ADD COVERAGE SAME AS ON POLICY”. Across from this heading was the designation “UM/UIM BI”. Underneath this designation was a blank box and two blank lines, with the first line on top, then a slash, and the second line underneath the first. Beside the top line was a box which was to be filled in with an “x” if the insured desired UM and UIM limits equal to the bodily injury liability limits. The blank lines were to be filled in with the amount of UM/UIM coverages if different from the amount of coverage for bodily injury liability.
Emig,
¶ 23 On this section of the policy change request form the UM/UIM box was “x’ed” and the numbers “15” and “30”, respectively, were written in the blank spaces. The “UM/UIM BI” box was circled and the word “Reduce” was written in the box. The agent was the person who filled out the policy change request form, “x’ed” the “UM/UIM BI” box, filled in the blanks with the numbers “15” and “30”, circled the “UM/UIM BI” box and wrote “Reduce”.
Emig,
¶ 24 The policy change request form contained another, separate section. This section was entitled “UM/UIM REJECTION OR REDUCTION”, and provided the following:
UM/UIM REJECTION OR REDUCTION If an option listed below is requested, the correct block must be checked and the insured must sign in the space provided.
* * * ❖ ^ #
PA [Blank Box] I request an Uninsured Motorists [sic] coverage limit of $_ /$_to be effective in my policy.
[Blank Box] I request an Underinsured Motorists [sic] coverage limit of $_ /$_to be effective in my policy.
I understand that the limit(s) requested are lower than the Bodily injury Liability limit afforded by this policy.
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Applicant’s Signature-UM/UIM Rejection X_
¶ 25 It was noted that this sеparate section of the form “does contain language indicating a request for reduction of UM/ UIM coverages, and the instructions accompanying that section provide that the blank boxes pertaining to each of UM/ UIM coverages are to be checked and the amounts for each coverage are to be filled in on the blank spaces.”
Emig,
¶ 26 On appeal, this Court undertook to “determine whether [the insured’s] signature at the end of the policy change request form on which [the company’s] agent indicated reduced amounts of UM/UIM coverages or the act of [the company’s] agent in filling in the UM/UIM coverages and writing “Reduce” thereon compensated for or is sufficient to fulfill the mandate of a request in writing pursuant to Section 1734.”
Emig,
¶ 27 It is clear that to conform with § 1734, the written request must be signed by the insured and must contain an express designation of the amount of coverage requested, all manifesting the insured’s desire to purchase coverage in amounts less than the bodily injury limits.
O’Mara,
¶ 28 Notwithstanding Erie’s contentions to the contrary, the § 1734 written request for lower coverage limits requirement must be construed strictly.
See Resseguie,
¶ 29 In the present case, the record evidence simply does not establish that Donna Larrimore gave Erie her written authorization to secure UIM coverages in an amount less than the bodily injury liability limits. Simply put, Donna Larri-more never selected lower UIM coverage because she never made a written request as required by § 1734. Although presented with the § 1791 “Important Notice” information outlining the alternatives, Donna Larrimore did not make a selection of one alternative over the others. In Emig, this Court said:
*741 At the risk of being redundant, but for the sake of clarity, we repeat: [The insured] never selected lower UM/UIM coverages because she did not request the same in writing as required by Section 1734. If she did request reduced UM/UIM coverages, her request is ineffective for the same reason. The absеnce of a written request by [the insured] pursuant to Section 1734, of course, would preclude her knowledge and understanding of lower UM/UIM coverages for the purpose of Section 1791. She could not be presumed to have knowledge and understanding of that which she never selected in accordance with law.
The “Important Notice” is merely a notice to [the insured] that she must be offered certain benefits in certain amounts which she may accept, reject or reduce. Thus, Section 1791 does not provide the means for selection, rejectiоn or reduction of these offered benefits. This, instead, is provided for by the legislature in Subchapter “C” [containing § 1734]. The “Important Notice” merely informs [the insured] that she is presumed to know and understand those benefits offered and those benefits which she has selected in conformity with law, i.e., in this case, Section 1734. If [the insured] has not selected reduced UM/UIM coverages in conformity with Section 1734, she cannot be presumed to have knowledge and understanding of them. If Section 1791 were to serve the same legislative purpose as does Section 1734, the latter would amount to mеre surplusage, a result not intended by the legislature. Both provisions must remain definite and certain. Simply stated, the two statutes are found in two different sub-chapters because each statute serves a different purpose and relates to a different aspect of motor vehicle financial responsibility.
Emig,
¶ 30 On this record, Donna Larrimore did nothing more than sign an application, evidencing acceptance of the policy, and sign the § 1791 “Important Notice”, evidencing really very little because it afforded no mechanism for requesting UIM coverаge. Consequently, the trial court did not err in concluding that there was no valid and enforceable written request under § 1734.
¶ 31 This Court’s
en banc
holding in
O’Mara,
¶ 32 Our
en banc
decision in
O’Mara
cites the Supreme Court’s decision in
Lewis
for the proposition that in order to be a valid and enforceable written request under § 1734, the writing must “manifest the insured’s desire to purchase uninsured and underinsured coverage in amounts equal to or less than the bodily injury limits”; must be signed by the named insured; and must “include an express designation of the amount of uninsured and underinsured coverage requested.”
O’Mara,
¶ 33 Erie directs us to federal court decisions indicating that a signed application containing the amount of coverage requested may properly be held to constitute a valid and enforceable written request for lower limits under § 1734.
See e.g., State Farm Mutual Auto. Insurance Company v. Hughes,
¶ 34 Erie also contends that Larri-more’s receipt of quarterly renewal notices and her payment of lower premiums over the six year period prior to the accident demonstrated her actual knowledge of and acquiescence to her selection of UM and UIM coverage with limits that were lower than her bodily injury liability coverage. There is some dispute as to whether this argument was fully advanced in the trial court and therefore not waived. On this point we note that Erie’s reply to Larri-more’s motion for summary judgment explicitly asserts that: “Payment of lower premiums over a six year period prior to the Accident demonstrates an insured’s knowledge of and acquiescence to their selection of UIM Bodily Injury Coverage in an amount lower than their Bodily Injury Liability Coverage.” Erie Reply to Motion for Summary Judgment at ¶ 19. In addition, Erie’s Rule 1925 statement raises this issue. Erie Rule 1925 Statement at ¶ 6. We find that this argument was sufficiently advanced below as to avoid waiver on appeal.
¶ 35 Though preserved, the issue warrants no relief. This Court has held that “the insured’s payment of her premiums for several years thereafter can not operate as a waiver under Sections 1734 and 1791.”
Breuninger v. Pennland Insurance Company,
¶ 36 Finally, Erie contends that lower сourt erred in failing to follow
Blood v. Old Guard Insurance Company,
*743
¶ 37 Erie concedes that this argument was not advanced in the context of actually litigating the motions for summary judgment, but asserts that the issue was preserved because this argument was advanced in Erie’s Motion for Reconsideration. Under Rule 302(a) of the Rules of Appеllate Procedure, “[i]ssues not raised in the lower court are waived and cannot be raised for the first time on appeal.” Pa.R.A.P. 302(a). This Court has held that “arguments not raised initially before the trial court in opposition to summary judgment cannot be raised for the first time on appeal.”
Devine v. Hutt,
¶ 38 Notwithstanding the waiver, we conclude that the remedy afforded by the trial court was correct and supported by the law. The trial court denied Erie’s motion for summary judgment, granted Larrimore’s motion for summary judgment, and ordered that the UIM coverage limits were deemed equal to the bodily injury liability coverage limits,
ie.,
$600,000.00, representing an amount equal to her bodily injury limits of $300,000.00, stacked for two vehicles. If there is not proper written request for lower limits in conformity with § 1734, then the UM and UIM coverages are deemed equal to the bodily injury liability limits.
Nationwide Mutual Insurance Company v. Heintz,
¶ 39 Order AFFIRMED. Jurisdiction RELINQUISHED.