When there is an auto loss, what is the insured required to do?

When there is an auto loss, the insured is required to protect the automobile from further loss. This is essential because once damage occurs, the likelihood of additional damage can increase if the vehicle is left vulnerable. Taking immediate action to secure the automobile, such as covering it or moving it to a safe location, helps to minimize any further risk, which is a crucial part of the insured’s responsibility under their policy.

Addressing the other options, abandoning the automobile to the insurer is not a typical requirement immediately after a loss. Instead, the insured must take ownership of the situation and ensure that they are taking steps to mitigate further damage. While trying to settle with a third party might be relevant in some circumstances, it is not mandated as a response to an auto loss itself; it pertains more to the liability aspects of a claim. Lastly, while submitting proof of loss within a specified timeframe is a common requirement in insurance policies, it is a subsequent step that follows after immediate protective actions have been taken. Thus, protecting the automobile from further loss stands out as the primary obligation immediately after an incident occurs.