Difficulty: Easy

Average Score: 75%

Under the Personal Auto Policy, all of the following are duties of the insured after an accident or loss EXCEPT

Rationale

Obtaining a complete physical examination at the insurer's expense is not a duty of the insured after an accident or loss.

The Personal Auto Policy outlines specific duties the insured must fulfill following an accident or loss, but obtaining a complete physical examination at the insurer's expense is not one of them. The responsibilities typically focus on cooperation and providing necessary documentation rather than mandating medical examinations.

A (Obtaining a complete physical examination at the insurer's expense) CORRECT

This choice is incorrect because the Personal Auto Policy does not require the insured to undergo a complete physical examination at the insurer's expense. While medical evaluations may occur, they are not a standard duty outlined in the policy following an accident.

B (Cooperating in the defense of the claim or suit) YOUR ANSWER

This is a required duty under the Personal Auto Policy. The insured must cooperate with the insurer in the investigation, defense, or settlement of any claim or suit, which is crucial for ensuring proper handling of claims.

C (Submitting a proof of loss if required by the insurer) YOUR ANSWER

Submitting proof of loss is a common duty for the insured after an accident. This documentation aids the insurer in processing claims efficiently and is often a necessary step to ensure coverage for losses incurred.

D (Authorizing the insurer to obtain necessary medical records) YOUR ANSWER

This duty is also required, as the insurer needs access to medical records to evaluate claims related to injuries sustained in an accident. The insured's authorization is essential for the insurer to gather pertinent information for claim assessment.

Conclusion

In summary, the duties of the insured under the Personal Auto Policy emphasize cooperation and documentation relative to claims, while a complete physical examination at the insurer's expense is not a requisite duty. Understanding these responsibilities helps ensure that insured individuals navigate the claims process effectively while adhering to their policy obligations.

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