Which action is an insurer permitted to take in the event of a claim?

An insurer is permitted to request a medical examination to determine liability under a policy provision as it is a standard practice in the claims process. When a claim is made, particularly in health or disability insurance, the insurer has the right to assess the claimant's medical condition and history to ensure that the claim is valid and within the policy provisions. This medical examination helps the insurer confirm the extent of the illness or injury, validate the claim amount, and determine if the policy coverage applies.

This process is part of the insurer's duty to investigate claims properly and to avoid fraudulent claims, which ultimately helps maintain the integrity of the insurance system. It is a legitimate exercise of the insurer's rights under the terms of the policy and is done in accordance with regulatory guidelines.

The other options presented involve actions that are either unethical, discriminatory, or not in line with fair insurance practices. Therefore, the request for a medical examination is the appropriate and legitimate action an insurer can take when evaluating a claim.