State RegulationsGA specificDifficulty 1/5
Under Georgia law, one of the practices listed in the unfair claims settlement practices article becomes a violation when it is committed:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under O.C.G.A. § 33-6-33, the enumerated practices violate the article only when committed with such frequency as to indicate a general business practice. This frequency standard separates an isolated claims-handling mistake from a systemic pattern the Insurance Commissioner can act against. A single delayed payment, without a pattern, does not establish an unfair claims practice under this standard.
Why the other options are wrong
- A) A single occurrence is not enough; the statute requires a pattern showing a general business practice.
- B) The violation does not depend on the claimant proving a financial loss; the focus is on the insurer's pattern of conduct.
- C) Filing suit is not a precondition; the Insurance Commissioner enforces the practice standards administratively.
Memory hook
Pattern, not accident - frequency makes the violation.