Personal Auto InsuranceQuestion 19 of 158
Which of the following is a duty owed by the insured to the insurer AFTER an accident or loss, as required by Part E of the Personal Auto Policy?
a.Make payments to repair shops before notifying the insurer
b.File suit against the at-fault driver within 24 hours
c.Reject any offer of settlement made by the insurer
d.Promptly notify the insurer of the loss, cooperate with the investigation, and submit to examination under oath when required
Explanation
Part E – Duties After an Accident or Loss – requires the insured to (1) promptly notify the insurer of how, when, and where the accident or loss happened, (2) cooperate in the investigation, settlement, and defense of any claim, (3) submit to examination under oath when required, and (4) authorize the insurer to obtain medical and other records. Failure to perform these duties can void or limit coverage.
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