Which of these reflects a duty of the insured regarding their policy?

Cooperating with the insurer's investigation is a fundamental duty of the insured under most insurance policies. This cooperation ensures that the insurance company can effectively assess the validity of the claim and determine the appropriate compensation. When an insured party files a claim, they are typically required to provide the insurer with relevant information, access to documents, and sometimes even appearances at depositions or examinations under oath. This obligation is crucial because it helps the insurer evaluate the circumstances surrounding the claim and adhere to the terms of the policy.

In contrast, indemnifying the insurer is not a duty placed upon the insured; rather, it's typically the insurer that indemnifies the insured by providing compensation for covered losses. Transferring benefits without consent is generally prohibited in insurance contracts, as benefits and claims typically cannot be assigned to another party without the insurer's approval. Seeking government approval is not a standard duty related to an insurance policy. Instead, it’s the insurer's role to comply with applicable laws and regulations. Thus, the duty to cooperate with the insurer’s investigation stands out as an essential requirement for the insured to ensure that claims are processed smoothly and effectively.