(a) Every policy providing private passenger automobile physical damage insurance shall contain language that is substantially equivalent to the following: the insurer or its authorized representative has the right to inspect any private passenger automobile, including a nonowned automobile, insured or intended to be insured under this policy, before the automobile physical damage insurance shall become effective, except to the extent that this right is prescribed and limited by this Part or section 3411 of the Insurance Law.
(b) When the insurer requires an inspection, the named insured shall cooperate and make the automobile available for inspection.