What must an insurer do after an individual submits a claim?

In Connecticut, when an individual submits a claim to an insurer, the insurer is required to acknowledge the receipt of that claim within a specified timeframe, which is 15 days. This requirement ensures that the insured is kept informed about the status of their claim and demonstrates the insurer's compliance with fair claims-handling practices. Acknowledgment of receipt is critical as it marks the beginning of the claims process and allows the insured to know that their claim has been officially received and is being processed.

This is an essential aspect of insurance regulation, as it helps maintain transparency and accountability within the insurance industry. The requirement does not state that the insurer must pay claims immediately or deny them within a certain number of days without evaluating the claim properly. Instead, the acknowledgment serves as a foundational step in the claims process, allowing the insurer the necessary time to evaluate the details surrounding the claim.