Under a Personal Auto policy, which of the following is NOT a duty following a loss?

In a Personal Auto Policy, the duties following a loss are designed to ensure that the insurance company can assess and handle the claim properly. Among the options given, the task of filing a lawsuit against a negligent third party is not a duty that the insured is specifically required to undertake after a loss.

The primary responsibilities include notifying the insurance company of the loss, which is essential for the insurer to initiate the claims process and evaluate the situation. Gathering evidence related to the accident, such as photographs or witness statements, supports the claim and provides necessary details for the insurer. Additionally, submitting to a recorded statement when requested helps clarify the circumstances surrounding the loss for the insurance company's investigation.

Filing a lawsuit, however, involves legal action that is not automatically a part of the insurance claim process. While the insured may choose to pursue legal action against another party later, it is not a mandated duty under the policy's terms following an incident. This distinction clarifies why this particular option is not considered a required duty after an auto loss.