Under Ohio's unfair claims settlement practices rule, an insurer receives written notice of a claim from a Toledo policyholder. Within how many days must the insurer acknowledge pertinent communications about the claim?

Why A is correct

OAC 3901-1-07 makes it an unfair claim settlement practice to fail to acknowledge pertinent communications about a claim within 15 days of receiving notice of claim. The acknowledgment may be written or made by other means with a notation in the claim file. The same rule separately prohibits failing to furnish notification of all required claim items and forms within 15 days of the notice of claim.

Why the other options are wrong

• B) 30 days is not the Ohio acknowledgment deadline; a 30-day period in Ohio law governs other duties, such as refund fulfillment, not claim acknowledgment.
• C) 45 days has no basis in the claims acknowledgment rule; the only 45-day claim-related trigger in the tested rules is the agent statement refund deadline, a different duty entirely.
• D) 90 days is the A&H proof-of-loss window under ORC 3923.04(G), which is the claimant's duty to submit proof, not the insurer's duty to acknowledge communications.

Memory hook

Ohio wants claim talk fast: acknowledge in 15 days.