---
title: "Build a chronology of a contested insurance claim"
url: "https://ailawframework.com/practice/insurance-law/build-a-chronology-of-a-contested-insurance-claim/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-B7-3-US"
practice_area: "Insurance Law"
tier: "green"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Build a chronology of a contested insurance claim

> One row per letter, proof, or payment. Columns are the date on the document, the sender, and the amount or the request in the words of the document. Do not decide whether the claim is covered.

Canonical page: https://ailawframework.com/practice/insurance-law/build-a-chronology-of-a-contested-insurance-claim/united-states  
Last reviewed: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

| Fact | Value |
| --- | --- |
| Practice area | [Insurance Law](https://ailawframework.com/practice/insurance-law.md) |
| Human involvement | Green: AI drafts, lawyer checks |
| How AI is used | One row per letter, proof, or payment. Columns are the date on the document, the sender, and the amount or the request in the words of the document. Do not decide whether the claim is covered. |
| What the lawyer must review | 15 U.S.C. § 1012 leaves insurance regulation to state law unless a federal act specifically relates to the business of insurance. The chronology is an index of the file. Coverage is read from the policy and from the state law you open. NAIC model MO-900 is not itself that law. |
| Written for | United States |
| Applies to | [Build a chronology of a contested insurance claim](https://ailawframework.com/practice/insurance-law/build-a-chronology-of-a-contested-insurance-claim.md) |

## Checking plan

- What the AI does: One row per letter, proof, or payment. Columns are the date on the document, the sender, and the amount or the request in the words of the document. Do not decide whether the claim is covered.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- The model is unfair-claims guidance for legislatures. An act in its Section 4 is an unfair practice only through the flagrant-or-frequency gate in Section 3, and only where enacted.
- A single date in the chronology is not a finding of late handling.

## Sources

- [15 U.S.C. § 1012, McCarran-Ferguson Act: regulation by State law](https://www.law.cornell.edu/uscode/text/15/1012) (checked 2026-10-22)
- [NAIC Unfair Claims Settlement Practices Act, model MO-900](https://content.naic.org/sites/default/files/model-law-900.pdf) (checked 2026-10-22)

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*