Which of the following is NOT a duty of the insured?

Which of the following is NOT a duty of the insured?

• A. Report all accidents
• B. Cooperate with the insurer's investigation
• C. Submit to physical examination by request
• D. Negotiate repair costs with the repair facility

Answer: (D)

In the context of insurance and the responsibilities of the insured, negotiating repair costs with the repair facility is typically not considered a duty of the insured. Rather, this task often falls under the purview of the insurer or automotive damage appraisers, who have the expertise and authority to assess damage and negotiate repair terms with relevant facilities. On the other hand, reporting all accidents, cooperating with the insurer's investigation, and submitting to physical examination when requested are fundamental obligations that the insured must fulfill to ensure the proper processing of a claim. These duties are intended to facilitate the insurer's ability to evaluate claims accurately and efficiently, ensuring that all parties adhere to legal and contractual obligations. By doing so, the insured helps maintain the integrity of the claims process and assists in the fair resolution of any disputes that may arise.

In the context of insurance and the responsibilities of the insured, negotiating repair costs with the repair facility is typically not considered a duty of the insured. Rather, this task often falls under the purview of the insurer or automotive damage appraisers, who have the expertise and authority to assess damage and negotiate repair terms with relevant facilities.

On the other hand, reporting all accidents, cooperating with the insurer's investigation, and submitting to physical examination when requested are fundamental obligations that the insured must fulfill to ensure the proper processing of a claim. These duties are intended to facilitate the insurer's ability to evaluate claims accurately and efficiently, ensuring that all parties adhere to legal and contractual obligations. By doing so, the insured helps maintain the integrity of the claims process and assists in the fair resolution of any disputes that may arise.