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Under the ISO Personal Auto Policy (PP 00 01) Part E — Duties After an Accident or Loss, which of the following is an enumerated duty of a person seeking coverage?
APay the insurer's appointed defense counsel a retainer fee before any liability suit is filed against the insured
Submit, as often as the insurer reasonably requires, to physical exams by physicians the insurer selects, for Med Pay or UM bodily-injury claims
CRefrain from cooperating with any other insurer involved in the same loss to protect the insurer's subrogation rights
DPersonally complete all repairs to the covered auto within 30 days of the date of loss before the insurer is obligated to adjust or pay the claim
Why this is the answer
Part E's general duties include: prompt notice of accident/loss describing how/when/where, cooperation with the insurer in investigation/settlement/defense, prompt copies of legal papers/notices, authorization of medical reports/records, submission to physical exams by physicians selected by the insurer (insurer pays) and to examinations under oath. Additional Part D duties: take reasonable steps to protect the auto from further loss, promptly notify police if stolen, permit inspection/appraisal before repair/disposal. Failure to satisfy these duties can defeat coverage if the insurer is prejudiced. See ISO PP 00 01 Part E.
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