Louisiana P&C Adjuster Practice Exam

What duty must a PAP holder perform after a loss?

1. Submit to examination under oath

2. File a police report only

3. Provide an estimate of damages

4. Notify other drivers involved

The correct answer is: Submit to examination under oath

The correct choice is to submit to examination under oath after a loss. This requirement is crucial in the claims process as it allows the insurance company to gather detailed information regarding the circumstances of the loss. During this process, the insured will answer questions about the incident, providing the insurer with the necessary facts to evaluate the claim accurately. This procedure helps ensure that the claim is based on accurate and honest representations, which are vital for maintaining the integrity of the insurance system. Filing a police report, while often necessary for certain types of claims, does not encompass the full duty after a loss. An estimate of damages is usually provided by professionals or contractors and is not the insured's direct responsibility under the policy's conditions. Notifying other drivers may be required immediately following an incident for safety and legal reasons but is not specifically designated as a duty after a loss in the context of filing a claim with an insurance provider. Thus, submitting to an examination under oath stands as the primary duty after a loss in order to facilitate a thorough and fair evaluation of the claim.