A policyholder can only sue an insurer if they have done which of the following?

A policyholder can only sue an insurer if they have complied with all policy requirements. This is fundamental because insurance policies typically include specific conditions that need to be fulfilled for claims to be valid. These requirements can encompass things like providing timely notice of a loss, allowing the insurer to inspect the damage, and following procedures for filing a claim. If the policyholder has not adhered to these stipulations, the insurer may have grounds to deny a claim or to contest any legal action taken, making compliance a prerequisite for the policyholder to have the right to sue.

Regarding the other options, they do have importance in certain contexts, such as timely filing of suits within specific time frames or ensuring premiums are paid; however, the primary reason a policyholder may not be able to initiate a lawsuit revolves around adherence to the stipulations of the insurance policy itself. Obtaining prior approval from the insurer is generally not a common requirement and could vary widely by policy type, making it less universally applicable than compliance with policy requirements.