Most often: late notification, breach of policy conditions and missing documents. The record-keeping discipline maintained during the incident is the foundation of collection — which is why the recovery plan is built in connection with the acute phase.
One avoidable trap sits inside the incident itself: admitting liability or settling with a third party without the insurer’s prior consent can forfeit cover under most policies. So the discipline is not only good record-keeping but restraint — route external statements and any settlement through the insurer while the acute phase is still live.
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