Illinois law identifies certain conduct that may constitute an improper claims practice when statutory conditions are met.
Examples include:
- Misrepresenting relevant facts or policy provisions
- Failing to acknowledge claim communications with reasonable promptness
- Failing to conduct reasonable investigations
- Failing to attempt prompt, fair settlement when liability has become reasonably clear
- Unreasonably refusing claims without investigation
- Failing to provide a reasonable explanation for a denial or compromise settlement
Read more:Illinois Insurance Code — 215 ILCS 5/154.6
Claim Forms
Illinois law identifies failure to provide forms necessary to present a claim within:
15 working days of a request
as an improper claims practice when the statutory requirements are met.
Read more:Illinois Insurance Code — Improper Claims Practices
Reasonable Promptness
Illinois administrative claims rules define “reasonable promptness” for pertinent communications from an insured or claimant as generally a maximum of:
15 working days
subject to the applicable rule and circumstances.