What right does the insurer have concerning the inspection of the automobile?

The insurer has the right to inspect the automobile at all reasonable times to assess the condition of the vehicle and verify that it meets the terms of the insurance policy. This right is important for the insurer to evaluate risk accurately, determine coverage eligibility, and identify any potential fraudulent claims. By conducting inspections, insurers can ensure that the vehicle is properly maintained and that any information provided during the application process is accurate.

Inspections help in maintaining an equitable distribution of risk among policyholders, allowing the insurer to make informed underwriting decisions. The phrasing "at all reasonable times" implies that while the insurer can request an inspection, it must do so in a manner that respects the policyholder's rights and convenience, thereby establishing a balance between the insurer's need for information and the policyholder's right to privacy and accessibility.