Los Angeles Claims Adjuster Property and Casualty Practice Exam 2025 – All-in-One Guide to Exam Success!

One obligation of the insured during the claims process involves assisting in enforcing subrogation rights. Subrogation allows the insurance company to seek reimbursement from a third party responsible for the loss after it has compensated the insured. When the insured helps in this process, it can include providing necessary information, documentation, or testimony that can support the insurer’s efforts to recover claims paid out. This obligation ensures that the claims process functions smoothly and that both the insured and the insurer can potentially recover losses more efficiently.

The other options do not align with the responsibilities typically expected of the insured. Retaining a legal advisor may be a personal choice but is not a necessary obligation during claims. Disregarding requests from the insurer directly contradicts the cooperation required in the claims process. Furthermore, negotiating settlements without the insurer's input can undermine the agreed terms of the policy and potentially lead to complications in the claims resolution. Understanding the role of subrogation and cooperation during the claims process is essential for both parties to achieve a favorable outcome.