Rhode Island Insurance Adjuster Exam 2025 – Complete Study Guide

Question: 1 / 400

How soon must an insurer notify a claimant if more time is needed to make a decision on a claim?

Within 30 days of the proof of loss

Within 20 days of the proof of loss

Within 15 days of the proof of loss

The requirement for an insurer to notify a claimant if more time is needed to make a decision on a claim is established to ensure timely communication and transparency in the claims process. The correct timeframe is within 15 days of the proof of loss.

This regulation is put in place to protect claimants by preventing unnecessary delays in the processing of their claims and ensuring they are informed of the status of their claim. By mandating that the insurer provide this notification within a short period after receiving the proof of loss, it encourages insurers to act promptly and keeps claimants in the loop regarding the progress of their claims.

The other timeframes presented do not align with this legal requirement, making them less favorable options in terms of compliance and the protection of the claimant's rights.

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Within 45 days after the claim is filed

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