(Note: You must have one or both before making both temporary emergency repairs and/or permanent repairs.)
*If you are transmitting photos/video in a file sharing software, please make sure Oberman and/or the carrier can open the software and meets size requirements. If you are saving video, please make a backup copy.
Every insurance policy has a "Duties in the Event of Loss or Damage" section. For simplicity's sake, we have included a generic one from Insurance Services Office (I.S.O.):
© Insurance Services Office, Inc., 2011 CA 00 01 10 13
2. Duties In The Event Of Accident, Claim, Suit Or Loss
We have no duty to provide coverage under this policy unless there has been full compliance with the following duties:
a. In the event of "accident", claim, "suit" or "loss", you must give us or our authorized representative prompt notice of the "accident" or "loss". Include:
(1) How, when and where the "accident"
or "loss" occurred;
(2) The "insured's" name and address;
and
(3) To the extent possible, the names and addresses of any injured persons and witnesses.
b. Additionally, you and any other involved "insured" must:
(1) Assume no obligation, make no payment or incur no expense without our consent, except at the "insured's" own cost.
(2) Immediately send us copies of any request, demand, order, notice, summons or legal paper received concerning the claim or "suit".
(3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit".
(4) Authorize us to obtain medical records or other pertinent information.
(5) Submit to examination, at our expense, by physicians of our choice, as often as we reasonably require.
c. If there is "loss" to a covered "auto" or its equipment, you must also do the following:
(1) Promptly notify the police if the covered "auto" or any of its equipment is stolen.
(2) Take all reasonable steps to protect the covered "auto" from further damage. Also keep a record of your expenses for consideration in the settlement of the claim.
(3) Permit us to inspect the covered "auto" and records proving the "loss" before its repair or disposition.
(4) Agree to examinations under oath at our request and give us a signed statement of your answers.