Los Angeles Claims Adjuster Property and Causality Practice Exam

What must the insured not do without the insurer's permission?

1. Make any voluntary claim payment

2. Send notifications to third parties

3. Provide proof of loss documentation

4. Request a policy audit

The correct answer is: Make any voluntary claim payment

The option identifying that the insured must not make any voluntary claim payment without the insurer's permission is correct because it aligns with standard insurance policy terms. Typically, insurance policies require that insured parties do not assume liability or make any payments in relation to a claim without prior approval from the insurer. This provision exists to protect the insurer's interests and ensure that they can investigate and manage claims effectively. If the insured were allowed to make voluntary payments, it could complicate the claims process, potentially create unnecessary liabilities, or alter the circumstances surrounding the claim in ways the insurer might need to evaluate before deciding on coverage. In terms of the other options, sending notifications to third parties, providing proof of loss documentation, or requesting a policy audit typically would not require the insurer’s permission in the same way. These actions are generally part of the standard procedure for handling claims and maintaining policy compliance. Sending notifications is often necessary for informing interested parties, providing proof of loss documentation is essential to substantiate claims, and requesting audits is a right of the policyholder to ensure they are in compliance with the terms of the insurance.