保单结构与条款第 519 / 531 题
In the claim process, a proof of loss is best described as:
a.The insurer's formal offer to settle a claim
b.A receipt showing the insured paid the premium
c.The adjuster's written estimate of repair cost
d.A sworn statement of the loss and its amount
解析
The proof of loss is the insured's own signed and sworn statement of the time, cause and amount of the loss and of the insured's interest in the property, and the policy requires it before the insurer must pay. It is not the adjuster's estimate, which is the insurer's own valuation of the same damage, and it is not a settlement offer, which comes later once the claim has been reviewed.
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