35. 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 within 15 days.
If the insurer does not provide the necessary forms for proof of loss within 15 days after the insured has given notice of loss, the insured is required to file written proof of loss as stipulated by the provisions.
A) Contact the insurer to request such forms.
While contacting the insurer may seem like a reasonable step, it is not mandated by the provisions. The specific requirement is for the insured to file written proof of loss, regardless of whether the forms were provided or not.
B) File written proof of loss.
This option is correct as it directly aligns with the required provisions. If the insurer fails to furnish the forms within the specified timeframe, the insured must ensure that written proof of loss is submitted to fulfill their obligations under the policy.
C) Refile notice of loss within 20 days.
This option is incorrect because there is no requirement in the provisions to refile the notice of loss. The focus is on submitting proof of loss rather than resubmitting the notice once it has been given.
D) No action is required.
This is incorrect as it implies that the insured can take no action at all, which contradicts the requirement to file written proof of loss if forms are not provided. The insured has a responsibility to ensure that proof is submitted.
Conclusion
Filing written proof of loss is a critical requirement when forms are not provided by the insurer within the allotted time. This ensures that the insured meets their obligations and can facilitate the claims process. All other options either misinterpret the necessary actions or do not comply with the provisions outlined.