What is a condition typically associated with insurance coverage?

The choice indicating that the insured must pay the premium and file a claim for losses accurately reflects a fundamental principle of insurance coverage. Insurance contracts are agreements where both parties have obligations. The insured is required to maintain their part of the agreement by paying premiums, which ensures that the coverage remains in effect. Additionally, filing a claim for losses is essential for the insured to receive benefits promised by the policy. This process connects the risk assumed by the insurer to the policyholder's actions, as they can only receive compensation for covered losses if they notify the insurer through a claim.

In contrast, the other options suggest conditions that do not align with standard insurance practices. Insurance companies typically have stipulated terms that must be followed, such as making premium payments and adhering to claim procedures. Understanding these conditions helps maintain the integrity of the insurance contract while ensuring both parties fulfill their roles effectively.