---
title: "Extract the dates of a claim delay against the prompt-settlement provisions"
url: "https://ailawframework.com/practice/insurance-law/extract-the-dates-and-amounts-for-interest-on-a-delayed-insurance-paymen/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-MA20261022-2-US"
practice_area: "Insurance Law"
tier: "green"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Extract the dates of a claim delay against the prompt-settlement provisions

> From the claim file, record the date of the first communication, the date proof of loss was completed, the date coverage was affirmed or denied, and the date of any settlement offer.…

Canonical page: https://ailawframework.com/practice/insurance-law/extract-the-dates-and-amounts-for-interest-on-a-delayed-insurance-paymen/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 | From the claim file, record the date of the first communication, the date proof of loss was completed, the date coverage was affirmed or denied, and the date of any settlement offer. Do not calculate interest and do not decide that a practice is unfair. State law governs, and the lawyer confirms the governing state. For example, California. |
| What the lawyer must review | California Insurance Code § 790.03(h) defines as unfair claims settlement practices, when knowingly committed or performed with such frequency as to indicate a general business practice, failing to acknowledge and act reasonably promptly on claims communications, failing to affirm or deny coverage within a reasonable time after proof of loss requirements have been completed and submitted, and not attempting in good faith to effectuate prompt, fair, and equitable settlements of claims in which liability has become reasonably clear. The opened paragraphs state no interest rate and no day count, except paragraph (h)(16) on a 60-day AIDS-benefit delay, which is a narrower case. 15 U.S.C. § 1012 leaves claims-handling rules of this kind to state insurance law unless a federal statute specifically relates to the business of insurance. You decide whether the frequency language is met. Do not invent a statutory interest figure. State law governs, and the lawyer confirms the governing state. For example, California. |
| Written for | United States |
| Applies to | [Extract the dates and amounts for interest on a delayed insurance payment](https://ailawframework.com/practice/insurance-law/extract-the-dates-and-amounts-for-interest-on-a-delayed-insurance-paymen.md) |

## Checking plan

- What the AI does: From the claim file, record the date of the first communication, the date proof of loss was completed, the date coverage was affirmed or denied, and the date of any settlement offer. Do not calculate interest and do not decide that a practice is unfair. State law governs, and the lawyer confirms the governing state. For example, California.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Paragraph (h) is aimed at a general business practice, not every single delay.
- Do not treat § 790.03(h) as a private damages formula. No private-right case was opened.
- State law governs; confirm the governing state before relying on this.

## Sources

- [California Insurance Code § 790.03, unfair methods of competition and unfair or deceptive acts](https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=INS&sectionNum=790.03.) (checked 2026-10-22)
- [15 U.S.C. § 1012, regulation of the business of insurance by State law (McCarran-Ferguson Act)](https://www.law.cornell.edu/uscode/text/15/1012) (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.*