An insurer received notification of a claim 30 days ago, and its investigation is still open. Under 31 Pa. Code Ch. 146, what must the insurer now do?

Why D is correct

31 Pa. Code Ch. 146 requires an insurer to complete its claim investigation within 30 days of notification; when more time is genuinely needed, the insurer must give the insured a written status explanation every 45 days until the investigation concludes. The Pennsylvania Insurance Department enforces these steps, pairing them with the statutory designation of unfair claims settlement practices at 40 P.S. § 1171.5(a)(10).

Why the other options are wrong

• A) An open investigation does not become closed by the passage of the 30-day mark; the rule shifts the duty to periodic written status reports.
• B) Nothing in 31 Pa. Code Ch. 146 conditions the claim on a second notice; the insurer owes continued processing plus status updates.
• C) The producer who sold the policy is not the claims handler; the investigative and reporting duties belong to the insurer.

Memory hook

Investigate in 30 days — or report in writing every 45 until done.