---
title: "Table the claims-file dates behind handling advice"
url: "https://ailawframework.com/practice/insurance-law/draft-claims-handling-advice-from-the-policy-and-the-claim-file/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T1-R2-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Table the claims-file dates behind handling advice

> List the date the claim was received, the date of each acknowledgment or request in the file, and the words of any denial. Write no sentence of the advice.

Canonical page: https://ailawframework.com/practice/insurance-law/draft-claims-handling-advice-from-the-policy-and-the-claim-file/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 | Yellow: Lawyer and AI draft together |
| How AI is used | List the date the claim was received, the date of each acknowledgment or request in the file, and the words of any denial. Write no sentence of the advice. |
| What the lawyer must review | NAIC model MO-900 describes prompt acknowledgment, investigation, and a reasonable explanation on a denial. Section 3 makes a Section 4 act an unfair practice only if flagrant or a general business practice. The model disclaims a private cause of action and is not law until enacted. 15 U.S.C. § 1012 leaves the enacted rule to the state. You write the advice. |
| Written for | United States |
| Applies to | [Draft claims-handling advice from the policy and the claim file](https://ailawframework.com/practice/insurance-law/draft-claims-handling-advice-from-the-policy-and-the-claim-file.md) |

## Checking plan

- What the AI does: List the date the claim was received, the date of each acknowledgment or request in the file, and the words of any denial. Write no sentence of the advice.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- One late letter is not, on the model, a general business practice. You decide whether Section 3 is met where the model has been enacted.
- California Insurance Code § 790.03 is California's statute. It is not the model.

## 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)
- [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)
- [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)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [General Insurance Code claim timeframe register](https://ailawframework.com/precedents/insurance-law/code-claim-timeframe-register.md) | Checklist | Yellow | Register of the claim timeframes in Part 8 of the General Insurance Code of Practice, from the October 2023 text of the Code. |
| [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.… |

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.*