What action must an insured take to file a claim?

To file a claim, the insured must submit a claim using any available form if the insurer has not provided it. This reflects the proper procedure following a loss or event that triggers the insurance coverage. The insured is responsible for initiating the claim process, and providing the necessary information to support their claim is essential. By proactively submitting the claim form, the insured ensures that the process begins and the insurer can evaluate the claim efficiently. This action empowers insured individuals to take control of their claims instead of passively waiting for the insurer to act, which might lead to delays in processing.

In this context, it’s important to understand that relying on the insurer to start the claims process or waiting for them to contact you could prolong the resolution of the claim. The options that involve canceling the policy or needing to provide proof of insurability before filing a claim are not relevant steps in the claims process, as they diverge from the actions specifically required to submit a claim for a covered event.