What must an insured person do to have coverage prior to any loss?

To ensure that there is coverage prior to any loss, it is essential for an insured person to pay their premiums. Premiums are the payments made to the insurance company in exchange for coverage. Without the payment of premiums, the insurance policy may lapse, which means that the insured individual would not be protected by the insurance at the time of a potential claim.

While submitting a claim, getting a renewal notice, or filing paperwork with the state are actions related to the claims process or policy maintenance, they do not directly establish coverage. Premium payments are the foundational responsibility of the insured in binding the coverage, making it critical to maintaining an active and valid insurance policy.