Under what condition can an insured bring a suit against the insurer?

An insured can bring a suit against the insurer after complying with all terms of the policy. This means that before initiating legal action, the insured must ensure that they have fulfilled their obligations as outlined in the insurance contract. Typically, these obligations include timely payment of premiums, providing necessary documentation for claims, notifying the insurer of losses or damages promptly, and cooperating during the investigation of the claim.

This requirement serves to protect the integrity of the insurance contract, ensuring that both parties uphold their respective responsibilities. If the insured has not met these terms, the insurer may have grounds to deny the claim or defend against the lawsuit. Thus, it is crucial for the policyholder to adhere to these guidelines for legal recourse to be available.