The following statement is true about the steps in the claim settlement except a. After receiving a claim intimation, the takaful operator issues claim forms in order to collect the information needed and find out about the circumstances leading up to the covered event. b. One step in a claims investigation is to determine whether the policy is in effect when a loss occurs. c. The claims adjustor must file proof of loss, which is a sworn statement supporting his or her decision on the claim d. Policy provisions may determine the way disputes over claims settlement are resolved