(1) No insurer shall fail to fully disclose
to first party claimants all pertinent benefits, coverages or other provisions
of an insurance policy or insurance contract under which a claim is
(2) No insurance
producer or title insurance agent shall conceal from first party claimants
benefits, coverages or other provisions of any insurance policy or insurance
contract when such benefits, coverages or other provisions are pertinent to a
(3) No insurer shall deny a
claim for failure to exhibit the property without proof of demand and unfounded
refusal by a claimant to do so.
No insurer shall, except where there is a time limit specified in the policy,
make statements, written or otherwise, requiring a claimant to give written
notice of loss or proof of loss within a specified time limit and which seek to
relieve the company of its obligations if such a time limit is not complied
with unless the failure to comply with such time limit prejudices the insurer's
(5) No insurer shall
request a first party claimant to sign a release that extends beyond the
subject matter that gave rise to the claim payment.
(6) No insurer shall issue checks or drafts
in partial settlement of a loss or claim under a specific coverage which
contain language which release the insurer or its insured from its total
(7) No insurer shall
make a payment of benefits without clearly advising the payee, in writing, that
it may require reimbursement, when such is the case.