What is a correct statement concerning burden of proof?

Question

Quizplus · Accepted Answer

The burden of proving that the loss was a covered loss is on the insured as they are making a claim for coverage under their insurance policy. The insured is responsible for demonstrating that the loss occurred, and that it falls within the scope of coverage provided by their insurance policy.

Answer: B
 The burden of proving that the loss was not covered falls on the insurer because they are disputing the insured's claim for coverage. The insurer must provide evidence that the loss falls within an exclusion or limitation of the policy, or that the insured has breached a policy condition.

Answer: C
 Exceptions to coverage are generally interpreted narrowly in favor of the insured, as insurance policies are contracts of adhesion that are drafted by the insurer. Any ambiguities or uncertainties in the policy language are interpreted in favor of the insured, who is considered to be the weaker party.

Answer: D
 Exceptions to coverage are not disregarded in life insurance matters. Life insurance policies may include exclusions that limit the insurer's obligation to pay a benefit in certain circumstances, such as suicide or death resulting from illegal activities. The burden of proving that an exclusion applies is on the insurer.

What Is a Correct Statement Concerning Burden of Proof