Difficulty: Medium

Average Score: 59%

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 insured’s expense is not a duty of the insured after an accident or loss under the Personal Auto Policy.

Under the Personal Auto Policy, the duties of the insured primarily involve cooperation with the insurer and documentation related to the claim. While obtaining medical records may be necessary, the insured is not required to pay for a complete physical examination as part of their obligations.

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

This choice is incorrect because the Personal Auto Policy does not explicitly require the insured to obtain a complete physical examination at their own expense. Typically, the insurer may require medical evaluations, but the costs associated with such examinations are usually covered by the insurer rather than being an out-of-pocket expense for the insured.

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

This is a duty of the insured as outlined in the policy. The insured must cooperate with the insurer in the investigation and defense of any claims or lawsuits arising from an accident or loss, which is crucial for ensuring that the insurer can effectively handle the situation.

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

Submitting a proof of loss is indeed a requirement for the insured under the Personal Auto Policy. This documentation provides necessary details about the accident or loss and is essential for processing claims efficiently.

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

This choice is also a duty of the insured. The insurer often needs access to medical records to assess claims related to bodily injury, and the insured must authorize this access as part of their obligations under the policy.

Conclusion

The duties of the insured after an accident or loss under the Personal Auto Policy encompass several key responsibilities aimed at facilitating the claims process. However, obtaining a complete physical examination at their expense is not one of those required duties. Instead, the insured is expected to cooperate, submit proof of loss, and authorize access to medical records to assist the insurer effectively.

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