What action must the insured take according to Part E of the PAP to mitigate further loss?

In the context of a Personal Auto Policy (PAP), Part E outlines the duties of the insured in the event of a loss, specifically emphasizing the responsibility to take reasonable steps to prevent any further damage or loss. This principle is known as "mitigation," which is fundamental in insurance contracts. The insured has an obligation to protect the property from additional damage after the initial loss occurs.

This includes actions such as making temporary repairs to prevent further damage, safeguarding the vehicle, or taking other necessary steps to avoid exacerbating the situation. By focusing on "protect" as the correct action, it underscores that the insured must actively do something to minimize consequences rather than merely reporting or documenting the incident.

In contrast, while notifying the insurer, documenting the incident, and contacting the authorities are all important steps in managing a claim, they do not directly address the immediate need to prevent further loss, which is the core focus of Part E. The duty to protect is a proactive requirement, highlighting the insured's role in managing the aftermath of an incident effectively.