---
title: "Draft a coverage-position letter from the approved issues table"
url: "https://ailawframework.com/practice/insurance-law/draft-a-coverage-position-letter-from-the-approved-issues-table/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T1-R14-US"
practice_area: "Insurance Law"
tier: "red"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Draft a coverage-position letter from the approved issues table

> Turn the lawyer's approved issues table into a numbered outline of facts, clauses, and open questions. Write no sentence of the letter that will be sent.

Canonical page: https://ailawframework.com/practice/insurance-law/draft-a-coverage-position-letter-from-the-approved-issues-table/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 | Red: Lawyer writes; AI may check, clarify or collect data |
| How AI is used | Turn the lawyer's approved issues table into a numbered outline of facts, clauses, and open questions. Write no sentence of the letter that will be sent. |
| What the lawyer must review | You write the letter. A misstatement of the policy to the claimant can be an unfair claims practice under the enacted version of the NAIC model (knowingly misrepresenting relevant facts or policy provisions) and under California Insurance Code § 790.03. 15 U.S.C. § 1012 leaves that standard to state law. Formal Opinion 512: review every sentence a tool produced before it leaves the firm. |
| Written for | United States |
| Applies to | [Draft a coverage-position letter from the approved issues table](https://ailawframework.com/practice/insurance-law/draft-a-coverage-position-letter-from-the-approved-issues-table.md) |

## Checking plan

- What the AI does: Turn the lawyer's approved issues table into a numbered outline of facts, clauses, and open questions. Write no sentence of the letter that will be sent.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Reservation-of-rights and waiver rules are state law. Open them. Do not assume a letter preserves every defense.
- Do not use an Australian Code of Practice paragraph as the explanation of the denial.

## Sources

- [NAIC Unfair Claims Settlement Practices Act, model MO-900](https://content.naic.org/sites/default/files/model-law-900.pdf) (checked 2026-10-22)
- [California Insurance Code § 790.03, unfair methods of competition and unfair acts](https://california.public.law/codes/ca_ins_code_section_790.03) (checked 2026-10-22)
- [ABA Formal Opinion 512, Generative Artificial Intelligence Tools (29 July 2024)](https://www.americanbar.org/content/dam/aba/administrative/professional_responsibility/ethics-opinions/aba-formal-opinion-512.pdf) (checked 2026-10-22)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Tender of a claim or suit to a liability insurer](https://ailawframework.com/precedents/insurance-law/us-coverage-tender-letter.md) | Letter | Yellow | A notice to a liability insurer that a claim or a suit has been made, enclosing the papers the lawyer marks.… |
| [Response to a reservation of rights or disclaimer](https://ailawframework.com/precedents/insurance-law/us-reservation-of-rights-response.md) | Letter | Yellow | The insured's response to an insurer's reservation of rights or denial. It asks the insurer to identify the provisions it relies on.… |
| [What a Code denial or short payment tells the customer](https://ailawframework.com/precedents/insurance-law/code-denial-contents.md) | Checklist | Yellow | Checklist of paragraph 81 of the General Insurance Code of Practice: what the insurer tells the customer in writing if a claim is denied or not paid in full. |

Signed-in accounts can read the full text of each one.

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