What must an insured do if instructed by the insurer during the claim process?

If instructed by the insurer during the claim process, the insured must submit to examination. This requirement is included in the terms of a personal auto policy and is typically referred to as an 'examination under oath' (EUO). The insurer has the right to conduct this examination to obtain a statement regarding the details of the claim and circumstances surrounding it. This process allows the insurer to verify the information provided concerning the loss or damage being claimed and assess the validity of the claim.

Submitting to examination means that the insured is expected to answer questions truthfully and to the best of their knowledge, providing the insurer with necessary information to facilitate proper claims handling. This step is crucial in the claims process, as it helps protect the insurer from fraudulent claims and ensures that all relevant facts are considered.

While reporting findings, signing documents, and submitting evidence are also part of the claims process, they do not carry the same level of obligation and specificity as submitting to an examination when specifically requested by an insurer.