Policyholders and insurers frequently speak of "tendering" a claim.  Insurers in particular speak as if "tendering a claim" is some sort of magical incantation that must be stated in exactly the right words in order to be effective.  Despite the common use of phrases such as "tender the claim," "date of tender," etc., no insurance policy I have ever seen has a requirement that the insured actually "tender" anything. 

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