AAERT Certified Electronic Reporter (CER) Practice Test

What is the role of the claimant in relation to an insurance claim?

1. The insurance company

2. The person who suffered the damage or loss

3. The date of loss

4. The person carrying the insurance policy

The correct answer is: The person who suffered the damage or loss

The role of the claimant in relation to an insurance claim is best defined as the person who suffered the damage or loss. This individual initiates the claims process by formally notifying the insurance company of their situation and seeking compensation for the covered losses. The claimant must provide evidence of the damage or loss incurred, which could include documentation, photographs, and statements. This role is crucial because the claimant's experiences and losses are central to the claim's validity. The insurance company, while involved in processing and adjudicating the claim, does not play the role of the claimant. Similarly, the date of loss serves only as a reference point in the claims process and does not define an individual’s role. The person carrying the insurance policy might coincide with the claimant but not always; for instance, a policyholder could file a claim on behalf of another person affected by a loss. Hence, the correct answer accurately encapsulates the essence of the claimant's involvement in the claims process.