Ill. Admin. Code tit. 50, § 919.90 - Improper Practices or Procedures - Property and Casualty Companies
a) A claim shall
not be denied on the basis of failure to exhibit property unless there is
documentation of breach of the policy provisions in the claim file.
b) No company shall make any statement,
written or oral, requiring a liability claimant to complete a proof of loss
form, accident description, or release of claim for damages, which indicates
that the claimant's rights may be impaired if such forms are not completed
within a specified time, unless such statement is given for the purpose of
notifying the claimant of the provisions of the statute of
limitations.
c) No company shall
advise liability claimants to make claims under their own policies in cases
where liability is reasonably clear.
d) No company shall fail to effect settlement
on first party claims on the basis that responsibility for payment should be
assumed by other persons or insurers.
e) No company issuing a motor vehicle
insurance policy covering damages to a motor vehicle shall abandon the salvage
of a motor vehicle to a towing service and/or storage yard service in lieu of
the towing and storage charges, without the agreed permission of the towing
service or storage yard service.
f)
No company shall deny a claim for storage charges on actual cash value fire and
extended coverage losses when the personal property limits have been exhausted,
if coverage exists under additional living expense.
Notes
Amended at 13 Ill. Reg. 1204, effective January 11, 1989
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