After an accident, is the insured required to obtain a complete physical examination at their own expense?

The correct response is that the insured is not required to obtain a complete physical examination at their own expense following an accident. It is essential to understand that typically, under most personal lines insurance policies, the insurer may require certain information or documentation to process a claim. However, they cannot impose an obligation on the insured to independently seek and pay for a complete physical examination merely due to an accident.

The obligations usually involve providing necessary information about the accident and possible injuries but do not extend to financial or logistical burdens, such as paying for a comprehensive medical evaluation unless specific policy terms or claims processes dictate otherwise. There might be circumstances that would allow an insurer to request additional documentation of injuries, but requiring a complete examination at the insured's expense goes beyond what is standard practice.

In scenarios where an examination is required, it would typically be covered under the terms of the policy or handled in coordination with the insurer.