Which provision provides reimbursement of an insured's lost earnings when the insured assists in investigating or defending a claim?

• A. Debris removal coverage
• B. Supplementary payments provision
• C. Additional insured endorsement
• D. Loss settlement provision

Answer: (B)

Supplementary payments cover the insured’s out-of-pocket costs in addition to the policy’s limits, including the insured’s loss of earnings when the insurer requires their help in investigating or defending a claim. This provision is designed so the insured isn’t financially penalized for cooperating with defense activities, such as attending depositions, hearings, or trials. It also normally includes other defense-related expenses like court costs and interest on judgments.

The other options don’t fit because debris removal pertains to property coverage, an additional insured endorsement extends coverage to others, and a loss settlement provision governs how property losses are paid rather than reimbursing the insured’s lost wages.