When is an insurer considered to have received notice of a claim?

An insurer is considered to have received notice of a claim when the employer has notice of the claim. This is crucial because the employer acts as a liaison between the employee and the insurer. When the employer becomes aware of an incident or claim, it is their responsibility to notify the insurer so that appropriate actions can be taken regarding the claim. The timing of the employer’s notice is essential in determining when the insurer is obligated to act on the claim.

In this context, while the arrival of the claim form at the insurer (which is stated in one of the options) is a necessary part of the process, it is preceded by the employer's awareness and reporting of the claim. Additionally, the scenario of the injured employee reporting the incident also does not equate to direct notice to the insurer unless the employer then communicates that information. Therefore, understanding the role of the employer is key, as they are the ones who facilitate the delivery of notice to the insurer, thereby making the timing of the employer's notice critical in the claims process.