In an automobile accident involving bodily injuries, which action is required of the insured?

• A. Submitting a proof of loss within 90 days
• B. Admitting liability and getting a release signed
• C. Making sure that unfavorable witness statements do not get into the hands of the other motorist
• D. Giving prompt written notice of the accident to the insurer

Answer: (D)

After an auto accident with bodily injuries, the insured must give prompt written notice to the insurer. This duty lets the insurer start the claim promptly, begin an investigation, and arrange any necessary defense or medical claim handling. It also helps protect the insured’s rights under the policy and supports timely subrogation or settlement efforts. Notice is a stated requirement in many auto policies, and responding quickly helps ensure coverage isn’t jeopardized by delays.

Submitting a proof of loss within 90 days is typically more about documenting losses for some coverages or later in the claim process, not the immediate obligation after an accident. Admitting liability or obtaining a release is not required and can be harmful, since fault and settlement issues are handled by the insurer. Trying to suppress witness statements isn’t a recognized insured duty and could be inappropriate or illegal.