Personal Auto PolicyQuestion 420 of 474
After an auto accident, the duties condition in Part E requires the insured to:
a.Repair the vehicle before the insurer inspects it
b.Settle with the other driver, then bill the insurer
c.Give prompt notice and send copies of legal papers
d.Report only losses larger than the deductible used
Explanation
Duties after an accident or loss include prompt notice of how, when and where it happened, cooperation with the insurer, and forwarding every legal paper or demand received. Repairing before inspection defeats the insurer's right to see the damage, and settling with the other driver first prejudices the defense the insurer owes. Small losses are still reported even if nothing ends up being paid.
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