Which of the following is not considered to be an unfair claims settlement practice?

Attempting to settle a claim on the basis of an application which was altered without the knowledge of the insured

Making a claims payment and omitting the coverage under which payment is being made

Denying a claim that is not covered by the policy.

Stating to claimants that it always appeals arbitration awards for the purpose of compelling them to accept lower settlements

Answer: Denying a claim that is not covered by the policy.