Under what condition can an insured expect a prompt payment from the insurer?

An insured can expect a prompt payment from the insurer primarily when all documentation is submitted. This is because insurance claims typically require comprehensive documentation to process efficiently. When an insured provides all necessary information, including proof of loss, supporting documentation, and any forms required by the insurer, it allows the insurer to assess the claim quickly and accurately. This thorough submission reduces delays caused by the insurer needing to request additional information, which can prolong the claims process.

In contrast, the other options represent scenarios that may not necessarily guarantee prompt payment. Claims for less than a specific amount do not inherently expedite the process; the amount of a claim alone does not typically affect the speed of payment. The investigation period, while crucial for assessing the validity of a claim, must also be accounted for in determining when payment will be made, meaning payment cannot occur until this process is satisfactorily completed. Lastly, the concept of timing during office hours does not have a direct impact on the actual processing of claims, as insurers process claims based on established protocols rather than office hours alone. Thus, the completeness of documentation is key to ensuring that payments are made promptly.