What must the insured provide after an incident to substantiate their claim?

To substantiate a claim after an incident, the insured must provide proof of loss. This document serves as a formal notice to the insurer detailing the specifics of the loss or damage incurred, including the circumstances surrounding the incident, the nature of the loss, and the amount being claimed. It is a critical element in the claims process, as it allows the insurer to evaluate the validity of the claim and determine the compensation owed based on the terms of the policy.

While evidence of injury, medical records, and an incident report can be important materials that support a claim, they do not serve the same formal role as proof of loss. Proof of loss is the comprehensive document that consolidates all necessary information about the incident and is specifically required by insurers to process claims efficiently.