Which of the following is NOT a responsibility of the insured in an auto physical damage claim?

In an auto physical damage claim, the responsibilities of the insured typically include assisting the adjuster by providing known facts about the claim, notifying the insurer promptly after the incident, and providing any necessary records that may be required to evaluate the claim.

Employing the services of an appraiser is not a standard responsibility of the insured in this context. While an insured person may choose to hire an appraiser to assess the damage for their own interests or negotiations, it is not a requirement or responsibility dictated by the insurance policy. The insurer usually has its own adjusters and processes in place to evaluate claims, and it is their duty to determine the extent of the damage and make an appropriate settlement offer. Therefore, having to employ an appraiser independently falls outside the basic responsibilities expected of the insured when filing an auto physical damage claim.