Auto InsuranceQuestion 18 of 215
After a covered auto accident, which of the following is NOT one of the insured's duties under Part E of the Personal Auto Policy?
a.Promptly notify the insurer of the accident
b.Cooperate with the insurer in the investigation, settlement, or defense of any claim or suit
c.Submit to physical exams or examinations under oath when reasonably requested
d.Independently settle and pay the third party's claim before contacting the insurer
Explanation
Part E lists the insured's duties: prompt notice to the insurer, cooperation, submission to physical exams and examinations under oath, prompt forwarding of legal papers, providing written proof of loss, and protecting the damaged vehicle from further loss. The policy specifically requires the insured NOT to make voluntary payments or independently settle, except at the insured's own cost; doing so can prejudice the insurer and may be grounds for denial.
Law Reference: ISO PAP, Part E — Duties After an Accident or LossPractice all 215 questions free — no signup required.
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