Match each claims handling scenario to the statutory Unfair Claims Settlement Practice it represents.
- An adjuster tells a homeowner their policy excludes wind damage, even though a windstorm endorsement is active.Misrepresenting pertinent policy provisions
- An insurer offers 14,000.Attempting to settle a claim for an unreasonably low amount
- An examiner receives a written claim notice but ignores the claimant's calls and messages for over 45 days.Failing to acknowledge communications reasonably promptly
- A carrier mails a letter rejecting a liability claim without citing any specific policy language for the decision.Failing to provide a reasonable explanation for a claim denial
Answer
Correctly match the specific adjuster action with the definition of the Unfair Claims Settlement Practice violated.
Each scenario represents a classic, straightforward violation of the Unfair Claims Settlement Practices Act. Misstating coverage is misrepresentation; lowballing is failing to offer a reasonable settlement; ignoring calls is failing to acknowledge communication; and denying without giving a reason is failing to provide a reasonable explanation.
Step-by-Step Solution
Key Concept
Unfair Claims Settlement Practices