Auto Physical Damage & Mechanical Breakdown
Under Part E of the ISO Personal Auto Policy, a person seeking Coverage for Damage to Your Auto must also:
Answer
Permit the insurer to inspect and appraise the damaged property before its repair or disposal
Part E D: the person must '1. Take reasonable steps after loss to protect “your covered auto” or any “non-owned auto” and its equipment from further loss. We will pay reasonable expenses incurred to do this. 2. Promptly notify the police if “your covered auto” or any “non-owned auto” is stolen. 3. Permit us to inspect and appraise the damaged property before its repair or disposal.'
Source: ISO Personal Auto Policy PP 00 01 09 18 (specimen posted by the Virginia SCC Bureau of Insurance), Part E D
Not the answer
- Obtain three written repair estimates
- Have the car repaired at a shop the insurer chooses
- Pay the deductible to the insurer before any inspection
Practice this
The Texas All-Lines Adjuster exam is 150 questions with a scaled passing score of 70, which is neither the number nor the percentage correct. This test uses 70% as a yardstick. The app’s page carries a free ten-question test drawn from the same bank, marked as you go.
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