State RegulationsCO specificDifficulty 1/5
A consumer asks a Colorado insurer to turn over a copy of its insurance anti-fraud plan. Under C.R.S. § 10-1-128, the insurer may refuse because:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
C.R.S. § 10-1-128 makes insurance anti-fraud plans proprietary, so they are not public records and need not be produced to members of the public. The Colorado Division of Insurance nonetheless has regulatory access to ensure each licensed insurer maintains a compliant plan under the statute and Colorado Insurance Regulation 6-5-1.
Why the other options are wrong
- A) The plans are kept by the insurer under Colorado law; they are not filed away with a federal agency.
- B) The proprietary status of anti-fraud plans applies to all licensed insurers, regardless of where they are organized.
- D) Court discovery is a litigation mechanism, not the statutory basis for refusal; the plans are proprietary and are not public records.
Memory hook
Fraud plans fight fraud by staying secret — proprietary, not public.