What must be included when an insurer files a claim over $10,000?

The correct answer, which indicates the name and address of the insured person, is essential because it directly identifies who is covered under the insurance policy. This information is crucial for the insurer to process a claim, as it establishes the relationship between the policy and the claimant, ensuring that the correct individual is receiving the benefits associated with the policy.

Including the name and address helps streamline communication between the insurance company and the claimant, allowing for accurate record-keeping and verification. This information ensures compliance with legal requirements and allows the insurer to evaluate the claim within the context of the insured's coverage.

While aspects like prior claims history, legal fee agreements, and receipts for damages play significant roles in the claim process, they are not fundamental identification elements needed for filing the initial claim itself. The name and address are foundational details necessary to initiate and validate the claims process.