19. According to the required provisions, what MUST the Insured do if the Insurer does NOT furnish forms to provide proof of loss to the Insured within 15 days after the Insured gives notice of loss?
Answer: B
The Insured must file written proof of loss.
If the Insurer does not furnish forms to provide proof of loss within 15 days after receiving notice of loss from the Insured, it is mandatory for the Insured to file written proof of loss.
A) Contact the Insurer to request such forms.
While contacting the Insurer to request forms may seem like a logical step, it is not the required action according to the provisions. The Insured is not obligated to seek additional forms but must proceed with filing written proof of loss instead.
B) File written proof of loss.
This option is correct as it directly aligns with the provisions that state the Insured must take action by submitting written proof of loss within the specified timeframe if forms are not provided by the Insurer.
C) Refile notice of loss within 20 days.
Refiling the notice of loss is not stipulated in the provisions as an action that must be taken if the Insurer fails to provide forms. The focus is instead on the requirement to file written proof of loss.
D) No action is required.
This option is incorrect because the provisions clearly outline a necessary action if the Insurer does not provide the forms. The Insured cannot simply do nothing; action must be taken by filing the required proof of loss.
Conclusion
Filing written proof of loss is the only correct action required if the Insurer fails to provide the necessary forms within the specified timeframe. All other options either misinterpret the requirements or suggest inaction, which is not permissible under the stated provisions. Thus, Option B is the definitive answer.