Personal Auto PolicyQuestion 426 of 474
Under the general provisions, the insured may not bring legal action against the insurer until:
a.The insured has complied with the policy terms
b.The insurer has denied the claim twice in writing
c.An independent appraiser has valued the whole loss
d.A regulator has reviewed the claim file
Explanation
The legal action condition bars suit against the insurer until the insured has complied with all the terms of the policy, which is why the Part E duties carry so much weight. A second written denial and a regulator's review of the file are not preconditions the contract sets. Appraisal resolves a dispute over the amount of a loss and is not a gateway to every lawsuit.
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