Final answer:
The first action an insurer takes when an insured dies from apparent accidental causes is to verify the policy coverage. This step is key in determining the validity of a claim and dictates the subsequent steps the insurer will take in addressing the claim.
Step-by-step explanation:
When an insured dies from what appears to be accidental causes, the first action an insurer takes is c) Verifying the policy coverage. This step is crucial because the insurance policy defines the terms, conditions, and exclusions that determine the validity of a claim. It is essential for the insurer to confirm that the policy is in effect and that the circumstances of the death are covered. While consulting the insured's family, conducting an autopsy, and notifying law enforcement may also be necessary depending on the situation, these actions do not take precedence over confirming the coverage in the insurance or life insurance policy. Understanding the policy details enables the insurer to decide on the subsequent steps and fulfill their legal and contractual obligations.