State RegulationsOH specificDifficulty 1/5
Under Ohio's unfair claims settlement practices rules, an insurer that receives notice of a claim must acknowledge pertinent communications within:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
OAC 3901-1-07(G)(2) makes it an unfair claim settlement practice to fail to acknowledge pertinent communications relating to a claim within 15 days of receiving notice of the claim, whether by written response or other means with a claim-file notation. The rule stops insurers from stalling claimants through silence, and repeated failures to acknowledge can evidence a general business practice of unfair claim handling.
Why the other options are wrong
- A) 20 days is the notice-of-claim period in the policy provisions, not the 15-day acknowledgment deadline under the unfair claims rule.
- C) 30 days overstates the acknowledgment window; the rule requires acknowledgment within 15 days.
- D) 45 days is well beyond the 15-day requirement and would constitute a violation if used as the acknowledgment standard.
Memory hook
Claims silence: 15 days to acknowledge or it's an unfair practice.