In the event of an accident, what constitutes the duties required after the accident under the PAP?

The correct answer is based on the obligations outlined in a Personal Auto Policy (PAP) following an accident. One of the key responsibilities of the insured is to notify their insurance company within a specified time frame about the accident. This notification is crucial for ensuring that the insurer can begin the process of evaluating the claim, managing any potential liabilities, and guiding the insured through the next steps.

Failure to notify the insurer in a timely manner may result in complications, such as delays in claim processing or, in some cases, denial of coverage, depending on the policy's terms and conditions. Prompt notification is essential because it allows the insurer to gather necessary information, including details of the incident and any involved parties.

While submitting a legal claim, arranging for vehicle repairs, or contacting law enforcement may also be relevant in an accident scenario, they do not take precedence over the duty to notify the insurance company as established in the policy. Each of these actions can be part of the overall accident response but are secondary to fulfilling the notification requirement as specified in the PAP.