True or False: An invitation to treat must originate from the insurer when forming an insurance contract.

An invitation to treat is a concept in contract law that refers to an indication that a party is willing to negotiate the terms of a contract but is not yet ready to make a legally binding offer. In the context of insurance contracts, the invitation to treat does not have to originate from the insurer.

Instead, the insured (the person seeking the insurance) can initiate the process by requesting a quote or showing interest in obtaining a policy. This action serves as an invitation to treat from the insured. The insurer then responds with an offer based on the information provided. Therefore, the initiative for forming an insurance contract can start from either party involved, making the statement false.

This understanding is essential as it highlights that the negotiation process and contract formation in insurance is more flexible than one party strictly dictating the terms from the outset.