Do I owe any obligations to the insurance company concerning my claim?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Feb 27, 2012

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Yes. Decisions from the courts in many states indicate that the you (the insured) have a reciprocal obligation to act fairly and deal in good faith. This would include your 

(1) timely submitting your claim for benefits (bearing in mind that most policies state when a claim must be submitted after a loss has occurred), 

(2) providing all information that the insurer reasonably asks for (if it is entitled to it under the policy or the law), 

(3) giving a statement under oath concerning the claimed loss (again, if the policy so requires – as many policies do), and 

(4) generally cooperating with the insurer regarding the loss (like allowing it to inspect the damaged property in case of a damage claim, for example, a claim after a flood or fire).

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