Disposiciones de Pólizas A&SPregunta 512 de 716
The mandatory 'physical examination and autopsy' provision gives the insurer the right, at its own expense, to:
a.Raise the insured's premium
b.Have the insured examined during a pending claim and, where not prohibited by law, require an autopsy
c.Cancel the policy during a claim it is investigating, which this examination-and-autopsy provision does not authorize
d.Deny every claim automatically
Explicación
This provision permits the insurer, at its own cost and as often as reasonably necessary while a claim is pending, to have the insured physically examined and, in the event of death, to require an autopsy unless state law forbids it. It does not allow the insurer to deny all claims, raise premiums, or cancel the policy. The right exists so the insurer can verify the nature and extent of a loss it is being asked to pay.
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Preguntas relacionadas de este tema
- The mandatory 'proof of loss' provision generally requires the insured to submit proof of loss within:
- The mandatory 'time of payment of claims' provision requires the insurer to pay claims:
- The mandatory 'payment of claims' provision specifies:
- The mandatory 'legal actions' provision prevents an insured from bringing a lawsuit against the insurer until:
- The optional 'change of occupation' provision allows the insurer to adjust benefits or premiums if the insured:
- Under the misstatement of age provision in a health policy, if the insured's age was understated on the application, the benefits are:
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Revisado por John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — verificar)