What should an insurer do when it acknowledges a claim?

When an insurer acknowledges a claim, the appropriate action is to request all necessary items to prove the loss. This step is crucial because it enables the insurer to gather the information needed to assess the validity of the claim and determine the extent of the loss. This process may involve asking the policyholder for documentation such as receipts, photographs, or other evidence that supports the claim being made.

By obtaining necessary documentation, the insurer can ensure that the claim is handled efficiently and fairly, leading to a timely resolution. Accurate loss assessment is key in helping both the insurer and the claimant reach an outcome that aligns with the terms of the insurance policy. Furthermore, this step allows the insurer to adhere to legal and regulatory requirements, emphasizing the importance of thoroughness in claims processing.

The other options represent actions that do not directly align with the immediate responsibilities of the insurer once a claim is acknowledged. Collecting premiums is a routine activity that is unrelated to the claims process. Contacting legal counsel may be necessary in complex or disputed claims but is not a standard initial step. Notifying the government may be required in certain situations, especially in cases of fraud or regulatory compliance, but it is not typically part of the initial claim acknowledgment process.