Question 53

Obtaining a complete physical examination at the insured's expense is not a duty of the insured after an accident or loss.

Under the Personal Auto Policy, the insured is not required to obtain a complete physical examination at their own expense following an accident or loss. This duty does not fall within the specified responsibilities outlined in the policy.

A) Obtaining a complete physical examination at the insured's expense

This option is incorrect because the Personal Auto Policy does not explicitly require the insured to obtain a physical examination at their own cost after an accident. This duty is not typically included in the obligations of the insured, making it the exception in this context.

B) Cooperating in the defense of the claim or suit

This option is a duty of the insured as outlined in the policy. The insured must cooperate with the insurer in any investigation, defense, or settlement of a claim or suit, which is crucial for the claims process.

C) Submitting a proof of loss if required by the insurer

Submitting proof of loss is indeed a responsibility of the insured under the Personal Auto Policy. The insurer may require this documentation to process the claim, ensuring that all relevant information is provided.

D) Authorizing the insurer to obtain necessary medical records

This duty is also part of the insured's responsibilities. The insured must authorize the insurer to obtain medical records that are necessary to evaluate the claim, which aids in the claims investigation process.

Conclusion

The correct answer is A, as it identifies a duty that is not required under the Personal Auto Policy. Options B, C, and D are all essential duties that the insured must fulfill after an accident or loss, reinforcing the importance of cooperation and documentation in the claims process. Thus, A stands out as the only option that does not align with the established duties of the insured.