State RegulationsPA specificDifficulty 1/5
Under Pennsylvania's unfair claims settlement rules, how promptly must an insurer acknowledge a claim after receiving notification?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
31 Pa. Code Ch. 146, the operational rulebook behind 40 P.S. § 1171.5(a)(10), requires an insurer to acknowledge claims within 10 working days of receiving notification. The Pennsylvania Insurance Department enforces these deadlines through its market-conduct and consent-order process, so an insurer that lets claims sit unacknowledged faces both the statutory unfair-practice designation and departmental discipline.
Why the other options are wrong
- A) 45 days is the interval for written status explanations when an investigation runs long, not the acknowledgment deadline.
- C) The acknowledgment clock runs from notification of the claim, measured in working days, not from the policy's effective date.
- D) Renewal timing is irrelevant; the acknowledgment duty attaches when the claim is notified and is measured in working days under 31 Pa. Code Ch. 146.
Memory hook
Ten working days to say 'we got your claim' — the clock starts at notification.