Under Georgia's unfair claims settlement practices rules, when an insured requests the insurer's claim forms, how quickly must the insurer furnish them, together with reasonable explanations of their use?

Why A is correct

Under O.C.G.A. § 33-6-34(11), failing to furnish claim forms within 15 calendar days of a request, together with reasonable explanations of their use, is an unfair claims settlement practice in Georgia. The 15-day calendar count runs from the insured's or claimant's request, and the Insurance Commissioner enforces the article through the frequency-and-knowledge standard of O.C.G.A. § 33-6-33.

Why the other options are wrong

• B) The 15-working-day measure applies to payment of electronic claims, not to furnishing claim forms; O.C.G.A. § 33-6-34(11) uses calendar days.
• C) Thirty calendar days is the paper-claim payment deadline, not the claim-form deadline under O.C.G.A. § 33-6-34(11).
• D) A definite deadline exists; O.C.G.A. § 33-6-34(11) makes late furnishing of claim forms an unfair claims settlement practice.

Memory hook

Forms in 15 calendar days — forms are calendar, claims are working.