---
title: "List the policy and the insolvency record, and write no claim"
url: "https://ailawframework.com/practice/insurance-law/prepare-a-claim-directly-against-the-liability-insurer-of-an-insolvent-o/united-states"
type: "task_jurisdiction_version"
site: "AI Law Framework"
id: "A22-T20261018-3-US"
practice_area: "Insurance Law"
tier: "red"
lawyer_review: "required"
jurisdictions: ["US"]
last_reviewed: "2026-10-22"
---

# List the policy and the insolvency record, and write no claim

> Columns are the insurer named, the policy number printed, and the name of the insolvency or deregistration record in the file. Write no sentence of a complaint against the insurer.

Canonical page: https://ailawframework.com/practice/insurance-law/prepare-a-claim-directly-against-the-liability-insurer-of-an-insolvent-o/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 insurer named, the policy number printed, and the name of the insolvency or deregistration record in the file. Write no sentence of a complaint against the insurer. |
| What the lawyer must review | 15 U.S.C. § 1012 leaves a direct claim against a liability insurer to state law unless a federal act specifically relates to the business of insurance. No direct-action statute was opened. You decide whether the plaintiff may sue the insurer. Do not plead that claim from this table. |
| Written for | United States |
| Applies to | [Prepare a claim directly against the liability insurer of an insolvent or deregistered defendant](https://ailawframework.com/practice/insurance-law/prepare-a-claim-directly-against-the-liability-insurer-of-an-insolvent-o.md) |

## Checking plan

- What the AI does: Columns are the insurer named, the policy number printed, and the name of the insolvency or deregistration record in the file. Write no sentence of a complaint against the insurer.
- Basis: Checked against the linked sources on 22 October 2026. Confirm the current instrument before reliance.

## Notes

- Do not name a state that allows a direct action. None was opened.
- NAIC model MO-900 is not a direct-action statute and 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)

## Forms and precedents for this task

| Form or precedent | Kind | AI level | Summary |
| --- | --- | --- | --- |
| [Claim against the insurer of a deregistered company](https://ailawframework.com/precedents/insurance-law/claim-on-insurer-of-deregistered-company.md) | Checklist | Red | Element checklist for Corporations Act 2001 section 601AG, where the company is deregistered. It does not cover insolvency without deregistration. |

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.*