What burden of proof must the insured meet for an insurance claim to be paid?

The correct answer pertains to the standard that the insured must meet to establish a claim under their insurance policy. In the context of insurance claims, the insured generally must provide proof on the balance of probabilities. This means that the insured needs to demonstrate that it is more likely than not that the claim is valid, which equates to a likelihood greater than 50%.

This standard is different from "proof beyond a reasonable doubt," which is a higher burden typically used in criminal cases, and is not applicable to civil matters such as insurance claims. Similarly, while "preponderance of evidence" is often mentioned in legal contexts, it is essentially synonymous with the balance of probabilities, but using the latter terminology is more specific to insurance law. "Nominal proof" does not convey the necessary level of evidence required in this context and would not satisfy the requirements for a claim to be upheld.

Therefore, proof on the balance of probabilities is the appropriate and correct burden of proof that the insured must meet for an insurance claim to be considered valid.