Question 85

The 'your duties if injury occurs' section of the workers' compensation policy does NOT require the insured to provide medical services for injured party.

This section specifies the responsibilities of the insured following an injury but does not mandate that the insured must provide medical care to the injured party.

A) report the injury to the state

Reporting the injury to the state is typically a requirement under workers' compensation laws to ensure proper documentation and compliance with legal regulations. Therefore, this option is incorrect as it is indeed a duty of the insured.

B) provide medical services for injured party

The insured is not required to provide medical services to the injured party under the workers' compensation policy. This responsibility generally falls to the employer’s insurance provider, making this option the correct choice.

C) report the injury to the insurer

Reporting the injury to the insurer is a critical duty of the insured to facilitate the claims process and ensure that appropriate benefits are provided. Thus, this option is incorrect as it is a requirement.

D) cooperate with the insurer's investigation

Cooperation with the insurer's investigation is necessary to assess the claim's validity and gather relevant information. This requirement means that this option is also incorrect as it is a duty of the insured.

Conclusion

The correct answer is B, as the duties outlined in the workers' compensation policy do not include providing medical services for the injured party. In contrast, options A, C, and D represent essential responsibilities that the insured must fulfill to comply with the policy and legal obligations, thereby confirming that they are not the correct responses.