Under Georgia's unfair claims settlement practices law, an insurer that fails to furnish claim forms, together with a reasonable explanation of their use, within how many calendar days after a claimant's request commits an unfair claims practice?

Why B is correct

Under O.C.G.A. § 33-6-34(11), failing to provide claim forms within 15 calendar days of a request, with reasonable explanations of their use, is an enumerated unfair claims settlement practice. This rule protects claimants from stalling at the very start of the claims process. It is distinct from the accident and sickness standard-provision rule requiring an insurer to furnish forms within 10 working days after notice of claim under O.C.G.A. § 33-29-3(b)(6).

Why the other options are wrong

• A) 10 working days is the A&S standard-provision deadline for furnishing forms after notice of claim under O.C.G.A. § 33-29-3(b)(6), not the unfair-claims deadline triggered by a request.
• C) 30 calendar days is the deadline for paying paper claims to providers under O.C.G.A. § 33-6-34(15)(B), not for delivering claim forms.
• D) 60 calendar days is the waiting period before a legal action on a policy, not a claims-form deadline.

Memory hook

Forms fast - fifteen calendar days from the ask.