THE UNFAIR CLAIMS SETTLEMENT PRACTICES REGULATION
Authority and purpose.
Scope of this regulation.
Specific unfair claims settlement practices defined.
File and record documentation.
Misrepresentation of policy provisions.
Certificates of insurance.
Standards for the insurer to acknowledge pertinent communications.
Standards for prompt investigation of a claim.
Settlement standards applicable to all insurers.
Acts or practices considered unfair in the settlement of motor vehicle claims.
Methods and standards of practice for settlement of total loss vehicle claims.
Information that must be included in the insurer's total loss vehicle valuation report.
Insurer must include an insured's deductible in its subrogation demands.
Denial of storage and towing costs.
Standards for prompt, fair and equitable settlements applicable to automobile personal injury protection insurance.
Insurance policies and contracts—Coverage for drugs.
Unfair practices with respect to vehicle insurance.
Receipts to be given.
Applications and binders.
Actual reason for canceling, denying or refusing to renew insurance to be disclosed.
Insurer must make independent evaluation.
Policies to be delivered, not held by insurance producers or title insurance agents.
Unfair practices with respect to policy cancellations, renewals, and changes.
Unfair practices with respect to out-of-state group life and disability insurance.
Unfair practices with respect to the solicitation of coverage under out-of-state group policies.
Permissible time limit for benefits payable because of accidental injury or death.
Health questions in applications to be clear and precise.
Prompt responses required.
Deceptive use of quotations or evaluations prohibited.
Insurers must transact business in their legal name.
Restrictions as to denial and termination of homeowners insurance affected by day-care operations.
Insurance producers' and surplus line brokers' fees to be disclosed.
Authority, purpose, and effective date.
Practices declared to be unfair or deceptive when committed on a military installation.
Practices declared to be unfair or deceptive regardless of where they occur.
Procedures for resolving lost policy disputes regarding environmental claims.
Specific unfair environmental claims settlement or trade practices defined.
Environmental claim mediation program.