Under the 'claim forms' provision, if the insurer fails to furnish claim forms within the required time (usually 15 days) after receiving notice of claim, the insured may:

Giải thích

If the insurer does not supply claim forms within the stated period after notice, the insured is allowed to submit written proof of the loss in their own words (describing the nature and extent of the loss) and is treated as having complied with the proof requirement. The insured is not entitled to sue immediately, cancel for a refund, or collect double benefits. This provision keeps the insurer's delay from defeating an otherwise valid claim.