Who has the burden of proof in an insurance claim?

In an insurance claim, the policyholder carries the burden of proof. This means that it is the responsibility of the policyholder to provide evidence supporting their claim for benefits under the insurance policy. They must demonstrate that the loss occurred and that the circumstances meet the conditions outlined in the policy to receive compensation.

This principle is important because it underscores the contractual nature of insurance. The policyholder must establish that their claim aligns with the agreed terms to invoke coverage, such as proving that the loss was covered by the specific policy provisions. This often involves providing documentation, evidence of the event, and any relevant information requested by the insurance company in order to substantiate their claim.

Understanding this concept can help individuals navigate the claims process more effectively, as they prepare to present their case to the insurer with supporting documentation and arguments that meet the policy's stipulations.