All of the following, if performed frequently enough to indicate a general business practice, are unfair claims settlement practices, EXCEPT:

(a.) Requiring submission of preliminary claim report and formal proof of loss before paying a claim.

b. Threatening a client in order to discourage their effort to recover a loss.

c. Failing to acknowledge with reasonable promptness communications regarding claims.

d. Knowingly misrepresenting to claimants pertinent facts relating to coverages.

Answer: A

State Insurance

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