What must the insured do after experiencing a loss under their auto policy?

After experiencing a loss under an auto policy, the insured has several obligations to fulfill, which are critical for the proper handling of their claim. Notifying the insurance company is fundamental as it initiates the claims process and allows the insurer to assess the situation and determine the next steps, including evaluating coverage and the extent of the damage.

Additionally, permitting the company to inspect the damaged vehicle is necessary because the insurer needs to assess the loss firsthand to process the claim accurately and fairly. This may involve an appraisal or examination of the damage to facilitate repairs or settlements.

Submitting to a physical exam, if deemed necessary by the insurer, is also a part of the overall claims process, particularly if there are injuries involved in the accident, as it helps the insurer evaluate any potential medical claims.

Since all these actions are required and work together to ensure that the claims process goes smoothly, the correct answer encompasses the totality of the responsibilities that the insured must adhere to after experiencing a loss. This comprehensive approach is essential for maintaining transparency and ensuring that all aspects of the claim are duly considered and managed effectively.