---
title: "Table the state named in the policy for conduct questions"
url: "https://ailawframework.com/practice/insurance-law/map-the-insurer-s-conduct-licensing-and-claims-code-obligations/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T1-R8-US"
practice_area: "Insurance Law"
tier: "yellow"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# Table the state named in the policy for conduct questions

> Columns are the state named on the policy, the conduct the file asks about, in the file's words, and the clause cited. Do not state a license requirement.

Canonical page: https://ailawframework.com/practice/insurance-law/map-the-insurer-s-conduct-licensing-and-claims-code-obligations/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 | Columns are the state named on the policy, the conduct the file asks about, in the file's words, and the clause cited. Do not state a license requirement. |
| What the lawyer must review | 15 U.S.C. § 1012 leaves the business of insurance to state law unless a federal act specifically relates to the business of insurance. NAIC model MO-900 is not a licensing statute. It is a claims-practice model, and Section 4 applies only through Section 3 where enacted. California Insurance Code § 790.03 includes misrepresenting to claimants pertinent facts or policy provisions relating to coverages at issue, and only for California. You decide which state's statute to open. |
| Written for | United States |
| Applies to | [Map the insurer's conduct, licensing and claims-code obligations](https://ailawframework.com/practice/insurance-law/map-the-insurer-s-conduct-licensing-and-claims-code-obligations.md) |

## Checking plan

- What the AI does: Columns are the state named on the policy, the conduct the file asks about, in the file's words, and the clause cited. Do not state a license requirement.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Do not invent a license condition. No licensing statute was opened.
- The model is not a code of practice and is not itself law.

## 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)
- [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)

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