Which of the following could be a reason for an insurance claim denial?

A claim can be denied for several reasons, and missing documentation is a critical factor. Insurance policies require specific information and documentation to support a claim, such as receipts, police reports, or medical records. If this documentation is not provided, the insurer may not be able to validate the claim, leading to a denial.

Inadequate coverage amount can also be a reason for denial. If the coverage limit is exceeded by the amount of the loss, the insurer may only pay up to the policy limit, which means that the insured’s claim could be partially or wholly denied for amounts that exceed their coverage.

Late premium payment is another significant factor. Insurance policies generally stipulate that premiums must be paid on time for coverage to remain in force. If a premium is paid late, the coverage may lapse, and any claims made during that period would be denied since the insurance contract would no longer be active.

Considering all these aspects, any one of these reasons could independently lead to a denial of a claim, and the option that includes all of these scenarios is therefore the most comprehensive and accurate choice.