---
title: "Table complaint dates for a response the lawyer will write"
url: "https://ailawframework.com/practice/insurance-law/draft-idr-response-to-a-complainant/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-B7-5-US"
practice_area: "Insurance Law"
tier: "red"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Table complaint dates for a response the lawyer will write

> Columns are the date of the complaint, the policy clause the file cites, and the date of each letter already sent. Write no sentence of the response.

Canonical page: https://ailawframework.com/practice/insurance-law/draft-idr-response-to-a-complainant/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 | Columns are the date of the complaint, the policy clause the file cites, and the date of each letter already sent. Write no sentence of the response. |
| What the lawyer must review | 15 U.S.C. § 1012 leaves the response duty to state law unless a federal act specifically relates to the business of insurance. NAIC model MO-900 describes acknowledgment, investigation, and an explanation of a denial, and Section 3 is the flagrant-or-frequency gate. The model is not a complaint-forum statute. You write the response. The forum's rules were not opened. |
| Written for | United States |
| Applies to | [Draft IDR response to a complainant](https://ailawframework.com/practice/insurance-law/draft-idr-response-to-a-complainant.md) |

## Checking plan

- What the AI does: Columns are the date of the complaint, the policy clause the file cites, and the date of each letter already sent. Write no sentence of the response.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Do not invent a forum deadline. No external-dispute statute was opened.
- The model is not law until enacted, and it states that it does not create a private cause of action.

## 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.*