Louisiana P&C Adjuster Practice Exam 2025 – The All-in-One Guide to Exam Success!

A policyholder must authorize an insurer to obtain medical reports after a loss when the claim involves injuries or health issues related to that loss. Medical reports provide essential information regarding the extent and nature of injuries sustained and allow the insurer to assess the claim accurately. By reviewing these reports, insurers can determine liability, the validity of the claim, and the appropriate compensation for medical expenses and other related costs.

Obtaining medical reports is a standard practice in claims handling for situations where health and medical conditions are relevant, such as in auto accidents, workplace injuries, or other incidents where bodily harm is involved. This authorization aligns with privacy regulations and ensures that policyholders agree to share their sensitive health information for the purposes of claim processing.

The other options, while they may pertain to different types of claims, typically do not require authorization in the context of an insurance claim following a loss directly related to personal injury.