When handling a claim, can an insurer avoid citing the specific policy that applies?

• A. Yes
• B. No
• C. Only for small claims
• D. Only if requested by the insured

Answer: (B)

When handling a claim, the policy that provides the coverage and its terms, limits, exclusions, and endorsements determine whether and how a claim is paid. The insurer must identify which policy applies and cite it so the insured understands the exact rules that will govern coverage. This clarity helps with accurate claim decisions, avoids ambiguity, and supports fair claims practices, especially if multiple policies could apply or if benefits need coordination. Even for small claims or upon request, the applicable policy should be identified and the relevant provisions shared or made available, as the basis for coverage.