We do not agree with State Farm’s position that the initial burden of proof was on Wolf to establish her entitlement to benefits by presenting evidence on the issues of causation and necessity. An insured has a right to basic economic loss benefit under the No-Fault Act. Minn. Stat. § 65B.46, subd. 1. Once an insurer receives reasonable proof of the fact and amount of loss realized, it has a duty to respond to an insured’s claims in a timely manner. Minn. Stat. § 65B.54. Assuming State Farm received reasonable proof of Wolf’s losses, the burden was on it to establish Wolf was not entitled to benefits. See Ruppert v. Milwaukee Mutual Insurance Co., 392 N.W.2d 550, 556, 557 (Minn.Ct.App.1986), pet. for rev. denied (Minn. Oct. 22, 1986) (suggesting benefits may be terminated only if insured has been cured and thus requires no further treatment or if insured is receiving treatment for pre-ex-isting condition). Generally, an insured may meet that burden with evidence obtained during an adverse medical examination. See Minn. Stat. § 65B.56, subd. 1. Assuming State Farm meets its burden on retrial with Smookler’s deposition testimony, the burden may then shift to Wolf to establish her entitlement to benefits.