State RegulationsGA specificDifficulty 3/5
A Georgia claimant requests a written explanation after her insurer denies her claim, and the insurer refuses to provide one. Under Georgia's unfair claims settlement practices article, this refusal is:
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under O.C.G.A. § 33-6-34, failing to provide written explanations of claim denials upon request is among the enumerated unfair claims settlement practices, applied under the frequency-and-knowledge standard of O.C.G.A. § 33-6-33. A Georgia insurer that stonewalls a written-explanation request risks Insurance Commissioner action under the unfair claims article.
Why the other options are wrong
- A) Oral explanation does not satisfy the claimant's request; providing written denial explanations on request is a statutory obligation under O.C.G.A. § 33-6-34.
- B) The obligation arises when the claimant requests an explanation, not when litigation begins, under O.C.G.A. § 33-6-34.
- C) Premium fiduciary duties are governed by O.C.G.A. § 33-23-35 and concern the handling of premium money, not claim correspondence.
Memory hook
Ask in writing, get it in writing — denial explanations on request are the law in Georgia.