Arizona Adjuster Practice Exam

Under a homeowners policy, what must an injured person submit if necessary?

1. A bill for services rendered

2. A letter from their employer

3. A physical exam by a chosen doctor of the insurer

4. A detailed account of events

The correct answer is: A physical exam by a chosen doctor of the insurer

In the context of a homeowners policy, when an injured person is seeking compensation for their injuries, it is often required that they undergo a physical examination by a doctor approved by the insurer. This step ensures that the insurer can accurately assess the extent of the injuries claimed and confirm whether they are related to the incident in question. The examination provides an objective evaluation of the injuries, which is crucial in determining the insurer's liability and the appropriate compensation amount. The requirement for a physical exam helps to verify claims and supports the claims process by providing documented evidence from a medical professional. This is particularly important in insurance scenarios, as it helps prevent fraudulent claims and ensures that claims are based on actual medical needs and conditions arising from the incident. While bills for services rendered or documentation from an employer might provide useful context, they do not replace the necessity for an independent medical examination in the claims process. Similarly, a detailed account of events may help in understanding the context of the injury but does not hold the same evidential weight as a medical assessment. Therefore, the requirement for a physical exam by a doctor chosen by the insurer is a standard procedure in handling injury claims under homeowners policies.