If a carrier advises Tina over the phone that coverage has been bound, can she issue evidence of insurance to her customer?

The ability for Tina to issue evidence of insurance as soon as a carrier advises her over the phone that coverage has been bound is rooted in the nature of binding authority and the immediacy of coverage. When a carrier confirms over the phone that coverage has been bound, it typically indicates that a contractual agreement has been established, providing Tina with the authority to act on behalf of her client.

In many insurance scenarios, a verbal confirmation from the carrier is sufficient for the agent or broker to proceed with issuing evidence of insurance. This means that Tina is able to provide her customer with proof of coverage without having to wait for written confirmation, as long as she has received the binding confirmation from the carrier.

While other options suggest limitations on Tina's ability to issue evidence (such as requiring written confirmation, which would delay the process, or only issuing it upon customer request), the core principle of binding coverage allows for the immediate issuance of documents. Therefore, Tina can responsibly provide evidence of insurance following the carrier's verbal confirmation, demonstrating the practical aspect of insurance operations where timely communication is crucial for client relations.