21Insurer's rights to assess claim and payment

21 Insurer's rights to assess claim and payment (1) The insurer must assess a claim under a policy and decide whether the claimant is a beneficiary. (2) If the claimant is a beneficiary, the insurer must decide the reasonable amount payable to the beneficiary. (3) The insurer is required to pay to the beneficiary only the reasonable amount as assessed, and is not required to pay the maximum amount allowable under the policy.