Before suing an insurer for coverage, what must an insured do?

An insured must comply with all policy terms before taking legal action against an insurer for coverage. This compliance is crucial because insurance contracts are binding agreements that outline the rights and responsibilities of both the insurer and the insured. By adhering to policy terms, the insured demonstrates that they have fulfilled their obligations, which may include timely premium payments, reporting claims promptly, and providing necessary documentation.

If these terms are not met, the insurer may have a valid defense against a lawsuit, arguing that the insured's failure to comply with the contract voids their claim. In essence, ensuring compliance protects the insured's rights and strengthens their position in any potential legal proceedings regarding coverage disputes.