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.

The section outlines specific responsibilities of the insured when an injury occurs, and it does not include the provision of medical services to the injured party as a requirement.

A) report the injury to the state

Reporting the injury to the state is typically a requirement within workers' compensation policies, as it ensures that the appropriate regulatory body is informed of workplace injuries for compliance and tracking purposes.

B) provide medical services for injured party

The insured is not obligated to provide medical services for the injured party, as this responsibility falls to the insurance provider or the healthcare system, making this option the correct answer.

C) report the injury to the insurer

Reporting the injury to the insurer is a crucial duty outlined in the policy, as it allows for the initiation of the claims process and ensures that the injured party receives the necessary benefits.

D) cooperate with the insurer's investigation

Cooperating with the insurer's investigation is mandated within the policy to ensure that all relevant information is available for assessing the claim effectively and fairly.

Conclusion

The correct answer, B, is supported by the understanding that while the insured has several responsibilities under the workers' compensation policy, providing medical services is not one of them. All other options represent essential duties that the insured must fulfill, highlighting the importance of effective communication and compliance in the claims process.