Question 28

File a lawsuit against any negligent third party is not a duty under a Personal Auto policy.

Under a Personal Auto policy, the duties following a loss do not include filing a lawsuit against a negligent third party. This is the responsibility of the insured and is not mandated by the policy itself.

A) Notify the company promptly

This option is correct as it is a duty under a Personal Auto policy. The insured must notify the insurance company promptly after a loss occurs to ensure that the claim can be processed in a timely manner.

B) Notify the police if a law has been broken

This option is also correct. If a loss involves a crime, such as theft or an accident resulting in injuries, the insured is required to notify the police as part of their duties following a loss.

C) File a lawsuit against any negligent third party

This option is incorrect as it is not a duty required under a Personal Auto policy. While the insured may choose to pursue legal action against a negligent party, this is not a mandatory duty outlined in the policy.

D) File a formal written proof of loss if requested

This option is correct as it is part of the insured's obligations. If the insurance company requests a formal written proof of loss, the insured must provide it to fulfill their duties under the policy.

Conclusion

The correct answer is that filing a lawsuit against any negligent third party is not a required duty under a Personal Auto policy. The other options are essential responsibilities that the insured must fulfill following a loss. Therefore, Option C stands out as the only choice that does not align with the duties outlined in the policy.