What right does an insurer have regarding the physical exam and autopsy?

The insurer has the right to require an autopsy at their expense where legal to verify the cause of death, especially when a claim has been made. This helps the insurer assess the validity of the claim and determine whether it falls within the coverage provided by the policy. The ability to conduct an autopsy is often stipulated in the policy itself, ensuring that the insurer can follow appropriate legal and regulatory guidelines.

Additionally, this right is rooted in the principle that insurers need to protect themselves against fraudulent claims. Conducting an autopsy allows them to gather necessary information to settle claims accurately. In many jurisdictions, the policy contracts grant insurers this right to further investigate any claims to uphold the integrity of the insurance industry.

The other options do not accurately reflect the established rights of insurers concerning physical exams and autopsies. Insurers cannot deny coverage solely based on the absence of a physical examination, nor can they limit their right to conduct examinations based on cost considerations. Moreover, skipping the claims process entirely would go against the regulations governing the insurance industry and the obligations stipulated in the policy contract.