Duty to Cooperate
You have an affirmative duty to help your insurance company. There are clauses in your policy that requires you to help your carrier handle the claim and help to recuperate any monies that they paid.
This duty to cooperate is important because insurance carriers could claim that since you did not follow the terms of they policy, they can decline to provide coverage. An insurance policy is a really a contract between you and then insurance carrier. If you breach the contract, they can stop their performance.
Usually, it takes quite a bit for an insurance carrier to deny a claim solely on the basis of this clause. They always have a duty to advocate and do what ever is best for their insured. It would have to a matter of a lot of substance for them to decline payment. For, example, they tried to reach the inured for one year to talk about the accident and the insured never replies or makes any kind of contact with the carrier. Even then, the insurance company will just go off what the police report says.
Read more about Duty to Cooperate Clauses here.
