What must an insurer do before issuing a partial claim settlement check?

The correct answer highlights a crucial step in the insurance claims process regarding partial claim settlements. Before an insurer issues a partial claim settlement check, they are required to fully disclose the coverages and benefits of the policy to the insured. This step is essential because it ensures that the insured understands the terms and conditions of their policy, including what is covered and what is not. Full disclosure allows the insured to make informed decisions regarding their claim, ensuring transparency in the process.

In the context of insurance practices, providing complete information also helps to avoid potential disputes over coverage and benefits later on. By fully disclosing policy details, the insurer fosters trust and maintains a good relationship with the insured, which can be critical in claims handling.

The other options involve steps that do not align with the required procedures for partial claim settlements. For instance, obtaining consent from the insured can be part of the communication process but is not a mandated step before issuing a check. Similarly, issuing a denial letter is appropriate only if a claim is being denied, not when issuing a partial settlement. Contacting agents may be beneficial for coordination, but it is not a prerequisite for issuing a partial settlement. Overall, the correct choice emphasizes the importance of communication and understanding in the claims process.