Homeowners Policy (HO)Question 359 of 474
A guest is injured at the insured's home and hires a lawyer. Under the Section II duties after a loss, the insured must:
a.pay the medical bills and seek repayment
b.admit liability in writing to the claimant
c.give notice and forward every legal paper
d.settle directly with the injured guest first
Explanation
Section II requires the insured to give written notice of the occurrence, to promptly forward every notice, demand or legal paper received, to cooperate with the insurer and to help secure evidence and witnesses. Settling on his own or admitting liability voluntarily is what the duties forbid, because it prejudices the insurer's defense of the claim.
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Related questions on this topic
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