Which of the following is NOT considered an unfair claim settlement practice?

The correct answer is the need for written documentation of claim details, as this is a standard practice in the insurance industry. Insurers often require detailed documentation to process a claim accurately, ensuring that all necessary information is available for assessment. This requirement helps protect both the policyholder and the insurer by establishing clear communication and expectations regarding what is needed to evaluate the claim.

In contrast, delaying payment without justification, misrepresenting policy provisions, and making unreasonable settlement offers are considered unfair claim settlement practices because they can manipulate the claims process to the detriment of policyholders. These practices undermine fair treatment and transparency, leading to potential abuse of power by the insurer.