If an insurer denies liability for a loss, the insured has the burden of proving that there was a loss that came within the coverage of the policy.

Question

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This statement is true. It is the insured's responsibility to prove that a loss occurred and that it is covered by the insurance policy. The insurer has the burden of proving that any exclusions or limitations in the policy apply.

If an Insurer Denies Liability for a Loss, the Insured