Arizona Adjuster Practice Exam

In the case of a neighbor's child injured on the insured's property, what is the insured NOT obligated to do according to homeowners policy conditions?

1. Notify the police of the accident immediately

2. Provide medical assistance

3. Report the incident to the insurer

4. Document the injury incident

The correct answer is: Notify the police of the accident immediately

The obligation to notify the police immediately in the event of an accident, such as a child being injured on the insured’s property, is not a requirement under homeowners policy conditions. Homeowners insurance primarily focuses on coverage for liability and property damage, and while it is important to report incidents, there is no legal obligation in most homeowners policies that mandates immediate police notification. Instead, the priority lies in ensuring that necessary medical assistance is provided, which aligns with the insured's duty of care. Furthermore, documenting the incident and reporting it to the insurer are essential steps in the claims process and help in addressing potential liability issues. While notifying the police can be beneficial for official records, it is not a strict obligation tied to the policy. This offers some flexibility for the insured in how they manage the situation, focusing on their responsibilities outlined in the homeowners insurance terms.