State RegulationsCO specificDifficulty 3/5
Under C.R.S. § 10-3-1104(1)(h), an unfair claims practice violation exists when:
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
C.R.S. § 10-3-1104(1)(h) reaches a willful violation of the enumerated claim acts, or a frequency of violations that indicates a general business practice. Isolated technical missteps without willfulness or a pattern do not constitute the violation, as the Colorado Commissioner of Insurance applies the standard.
Why the other options are wrong
- A) A single technical error, absent willfulness or a pattern, does not meet the statutory standard.
- B) A claimant's litigation allegation does not itself establish the statutory violation; willfulness or a general business practice does.
- D) Denials supported by investigation and policy grounds are lawful; only willful or patterned misconduct is covered.
Memory hook
Willful once or wicked often — either way it counts.