What is the significance of written notice to the insurer before payment is made?

The significance of written notice to the insurer before payment is made primarily revolves around the potential ramifications for the insurer's obligations related to the claim. Providing written notice acts as a formal communication to the insurer, making them aware of the claim and the request for payment. This can be crucial because, depending on the terms of the insurance policy, failure to notify the insurer may prevent them from being able to contest the claim or fulfill their obligations under the policy.

This notice is particularly important in scenarios where there are conditions or requirements in the policy regarding how and when the insurer should be informed about claims. By notifying the insurer, you ensure that they understand their responsibilities and can respond appropriately, which aids in preserving the rights and interests of both the insured and the insurer. If the insurer is not properly notified, it may diminish their ability to handle disputes over the claim, affecting how they fulfill their obligations or potentially allowing them to deny claims based on lack of notice. Thus, maintaining proper procedures for notification is essential for the legitimacy of the claims process and protecting the parties involved.