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

The significance of providing written notice to the insurer before payment is made aligns with the understanding that such notice impacts the obligations and potential legal repercussions associated with the insurer’s responsibility for claims. Specifically, if written notice is not given, it may affect the discharge of the insurer from liability in relation to a claim.

By notifying the insurer in writing, the insured ensures that the insurer is aware of the circumstances surrounding the claim and can take necessary actions before any payment is disbursed. Failing to give this notice can lead to a situation where the insurer might claim that they were not properly informed or able to investigate the claim adequately, potentially allowing them to dispute or deny liability under the policy.

In contrast, the other options do not accurately capture the importance of this written notice. It does not guarantee that payment will be approved, nor does it inherently serve as proof of loss. Lastly, saying that it is not significant overlooks its critical role in maintaining the communication and procedural integrity between the insurer and the insured.