Arizona Adjuster Practice Exam

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Under a homeowners policy, what is an injured person required to do for medical payments coverage?

  1. File for bankruptcy

  2. Give the insurer any relevant medical reports

  3. Submit a police report

  4. Notify the local health department

The correct answer is: Give the insurer any relevant medical reports

An injured person under a homeowners policy is required to give the insurer any relevant medical reports for medical payments coverage. This process is essential because the insurer needs to assess the extent of the injuries and determine the appropriate compensation. Relevant medical reports provide crucial information regarding the treatment received, injuries sustained, and any related medical expenses, which helps the insurer evaluate the claim accurately. Providing these reports ensures that the claim process can progress efficiently and aids in delivering timely assistance to the injured party. This step is foundational in facilitating communication and transparency between the insured and the insurer regarding medical expenses directly related to the accident or incident that occurred on the policyholder’s property.

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