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State Insurance Law


State
Statute/Citation
Line
Payment
Acknowledgement
First Party Insurance
Liability Insurance
Third Party Direct Action Allowed
Bad-Faith Punitive

Tort
Contract
Tort
Contract
Assignment
Tort
Statute
Yes/No/Cap

AL
§27.1.17
Health
Paper Claims: 45 days; Electronic claims: 30 days
n/a
Yes
No
Yes
No
No
Yes
No
Cap

§27.12.24
All

AK
3 AAC26.040
All
n/a
10 working days
Yes
No
Yes
Yes
Yes
No
No
Cap

§21.36.125

AZ
§ 20.462
All
30 days
10 working days
Yes
No
Yes
No
Yes
No
No
Yes

R20.6.801
All

§ 20.3101 – 20.3155
Health

§20.461
All

AR
§23.66.215
All
10 working days after processing claim
15/15: working days/ working days to reply
Yes
No
Yes
No
Yes
No
No
Yes

Reg. 43
Health
Paper Claims: 45 days; Electronic claims: 30 days

§23.79.208
All
n/a

§23.66.206

CA
§790.03 – 790.034
All
n/a
n/a
Yes
Yes
Yes
Yes
Yes
No
No
Yes

§1371.35, 10123.147
Health
30 days

CO
§10.3.1104
All
n/a
30 days
Yes
No
Yes
No
Yes
No
No
Cap

§10.7.112
Life
30 days

10.16.106.5
Health
Paper Claims: 45 days; Electronic claims: 30 days

CT
§38a.816
All
n/a
n/a
Yes
Yes
Yes
Yes
Yes
No
No
Yes

DC
§31.332
Health
30 days
n/a
Yes
No
Yes
No
Yes
No
No
Yes

DE
§ Reg. 26
All
n/a
15/30: working days/ days to pay
Yes
Yes
Yes
No
Yes
No
No
Yes

FL
§ 627.4265
All
20 days upon agreement
n/a
No
No
Yes
No
Yes
Yes
Yes
Cap

GA
§33.29.3
Health
15 working days
n/a
No
No
Yes
No
No
No
No
Cap

§33.25.10
Life
30 days of death

§33.4.6
All
n/a

§33.6.34

HI
§431.13 – 431.103(10)
All
30 days
15 working days
Yes
Yes
Yes
No
Yes
Yes
No
Yes

IA
§507B.4 – 507B4A.9
All
n/a
n/a
Yes
Yes
Yes
No
Yes
No
Yes
Yes

ID
§41.1328
Auto
20 days
n/a
Yes
Yes
Yes
Yes
Yes
No
No
Yes

IL
§215 ILCS 5/356y – 5/357.9
HMO
30 days
n/a
No
Yes
No
Yes
Yes
No
No
Cap

Reg. 50 §919.80
Auto
n/a

§215 ILCS 5/224
Life
15 days

Reg. 50 §919.70
Health/Life
n/a

§215 ILCS 5/155
All

IN
§27.4.1.4.5
All
n/a
n/a
Yes
Yes
Yes
Yes
Yes
No
No
Yes

KS
§40.447
Life
10 days
n/a
No
Yes
No
Yes
Yes
No
No
Cap

§40.2.126
All (excl. Life)
30 days

§40.2442
Health

§40.2404 – 2404a
All

KY
§304.14.400
Fire
30 days
n/a
Yes
Yes
Yes
Yes
Yes
No
Yes
Yes

§304.44.080
Mine (rel.)
90 days

§304.12.230-235
All
30 days

Reg. 806/KAR 12.095
P&C
30 days

LA
§22.656
Life
60 days
n/a
Yes
No
Yes
No
Yes
Yes
Yes
Cap

§22.182
Life
n/a

§22.657
Health
30 days

§22.658
Excl Life & Health
n/a

§22.1220
All

ME
24A §2436
Fire
60 days
n/a
No
Yes
Yes
Yes
Yes
No
No
Yes

All (excl. Fire)
30 days

MD
§15.1004 – 15.1005
Health
30 days
n/a
No
Yes
No
Yes
Yes
No
No
Yes

§41A.215
All

MA
§176D.3.9
All
n/a
n/a
Yes
Yes
Yes
Yes
Yes
No
No
Yes

§93A.9

MI
§500.2006
All
60 days
n/a
Yes
Yes
Yes
Yes
Yes
Yes
No
Yes

MN
§72A.201		 All (excl. Health)
30 business days
10 business days
Yes
Yes
Yes
Yes
Yes
No
No
Yes

§62Q.75
Health
30 days
n/a

MS
§83-57-59
All
n/a
n/a
Yes
Yes
Yes
Yes
Yes
No
No
Yes

§83.5.45

MO
§100.1.010 – 100.1.300
All
n/a
10 days
No
Yes
Yes
No
Yes
No
No
Yes

§375.936 – 1000
n/a

MT
§33.18.201 – 232
All
30 days
n/a
Yes
Yes
No
No
No
No
Yes
Yes

NE
§210.60 – 61
All
15 days
n/a
Yes
Yes
Yes
Yes
Yes
Yes
Yes
No

§44-1525.9

NV
§686A.665
All
n/a
20 days
Yes
Yes
No
No
No
No
No
Yes

§SB 99
Accident
30 days after approval
n/a

§690B.012
P&C
30 days

§686A.300
Auto
30 days
n/a

§683A.0879, 689A.410, 689B.255, 689C.485, 695B.2505, 695C.185
Health
30 days after approval

§686A.310
30 days

NH
§407.12
Fire
60 days
n/a
No
Yes
Yes
No
Yes
Yes
No
No

§I.R.1001.02
All
10 days after approval

§415.6.h, 415.18.k, 420.a.17.d, 420.J.8.a
Health
Paper Claims: 45 days; Electronic claims: 15 days
15 days

§417.4.15
All

NJ
§11.2.17.6 – 11.2.17.7
All
Auto – 60 days P.I.;
n/a
Yes
Yes
Yes
Yes
Yes
No
No
No

First Party – 30 days (excl. P.I. And auto physical damage)
10 business days

Third Party – 45 days
n/a

Third Party P.I. – 90 days

Life – 30 days

Health – 60 days

17.29B.4, 17.48.8.4, 18.48A.7.12, 17.48C.8.1, 17.48D.9.4, 17.48E.10.1, 17.48F.13.1, 17B.26.9.1, 17B.27.44.2, 17B:30.13.1, 26.2J.8.1
Health Electronic Claims: 30 days

17B.25.11, 17B.27.10.1
Life
60 days following death

NM
§59A.16.1.21
All
45 days
n/a
Yes
Yes
Yes
No
Yes
No
No
Yes

NY
§216.2 -216.11
All
5 days after approval
15 business days
No
Yes
Yes
No
Yes
No
No
Yes

§40.d.2402.2

IL §3224a
Health
45 days
30 days

IL §5106
Auto
30 days

NC
§58.3.100		 All (excl. Health)
n/a
30 days
Yes
Yes
Yes
No
No
No
No
Cap

§58.54.4.11, 58.63.15.1 – 58.63.15.11
All
n/a

§58.3.225
Health
30 days

§4.0421
P&C
10 business days after approval

ND
§26.1.36.37.1
Health
15 days
n/a
Yes
Yes
Yes
No
Yes
No
No
Cap

§26.1.04.03.9
All
n/a

OH
§3901.1.07
All
5 days after approval
15 business days
Yes
Yes
Yes
No
Yes
No
Yes
No

§3901.1.54
P&C
10 days after approval
n/a

§3901.1.60
Health
24 days

§3915.052
Life
n/a

OK
36 §1219
Health
45 days
30 days
Yes
Yes
Yes
No
Yes
No
No
Cap

36 §1250.1 – 1250.16
All
n/a

36 §3629
n/a

36 §4030.1
Life
30 days
20 days

OR
§SB 894
Health
30 days
n/a
No
Yes
Yes
Yes
Yes
No
No
Yes

§836.80.0225
All
n/a
30 days

RS§746.230

PA
31§146.5-.6
All
n/a
10 business days
No
Yes
Yes
Yes
Yes
No
No
Yes

42§8371
n/a

73§201.1

§40.37.120.1
Life

PR
26§2716
All
45 days
n/a
Yes
No
Yes
No
Yes
No
No
Yes

IR XLVII§5
n/a
15 business days

RI
§27.9.1-4
All
n/a
30 days
Yes
Yes
Yes
No
Yes
No
No
Yes

§9.1.50
30 days after approval
n/a

§29.9.1-48
n/a

§27.4.26
Life

§27.18.61, 27.19.52, 27.41.64
Health
Paper Claims: 40 days; Electronic claims: 30 days

SC
§38.59.20 – 38.59.40
All
n/a
n/a
Yes
Yes
Yes
Yes
Yes
No
No
Yes

§30.37.110

SD
§58.33.67
All
n/a
30 days
Yes
Yes
Yes
Yes
Yes
No
No
Yes

§58.12.3
n/a

§48.33.67.2

SB§ct;48.33.67.2
Life

TN
§56.8.104.8
All
n/a
n/a
No
Yes
Yes
No
No
No
No
Yes

§56.7.105
60 days

TX
28§21.203
All
n/a
15 days
Yes
No
Yes
Yes
Yes
No
No
Yes

§21.21.2
n/a

§17.46

28§21.2801-16
Health
Paper Claims: 45 days; Electronic claims: 21 days

UT
§590.89
All
30 days
n/a
No
Yes
Yes
Yes
Yes
No
No
Yes

§31.19.26.303

§31A.22.309
Auto

VT
§8.3665
All
30 days
n/a
Yes
Yes
Yes
No
Yes
No
No
Yes

IR§79.2
n/a
10 days

§4724.a
n/a

VA
14§5.400.60
All
n/a
10 days
No
Yes
No
Yes
Yes
No
No
Cap

§38.1.52.9
n/a

§38.2.209

§38.2.510

WA
§284.30.300, 284.30.360-380
All
n/a
n/a
Yes
No
Yes
Yes
Yes
No
No
Cap

WV
§33.11.4
All
n/a
n/a
Yes
Yes
Yes
No
Yes
No
Yes
Yes

§114.14.5 – 6
15 days after approval
15 business days

§33.13.14-14a, 33.14.30-30a
Life
60 days
n/a

§33.43.1-15
Health
Paper Claims: 40 days; Electronic claims: 30 days

§33.30.10
Mine (rel.)
120 days

WI
§6.11.3
All
n/a
n/a
Yes
Yes
No
No
Yes
No
No
Yes

§628.34, 628.46

WY
§26.13.101
All
n/a
n/a
Yes
Yes
Yes
No
Yes
No
No
Yes

§26.13.124

§26.15.124
45 days

State Statute/Citation Line Payment Acknowledgement First Party Insurance Liability Insurance Third Party Direct Action Allowed Bad-Faith Punitive
Tort Contract Tort Contract Assignment Tort Statute Yes/No/Cap
AL §27.1.17 Health Paper Claims: 45 days; Electronic claims: 30 days n/a Yes No Yes No No Yes No Cap
§27.12.24 All
AK 3 AAC26.040 All n/a 10 working days Yes No Yes Yes Yes No No Cap
§21.36.125
AZ § 20.462 All 30 days 10 working days Yes No Yes No Yes No No Yes
R20.6.801 All
§ 20.3101 - 20.3155 Health
§20.461 All
AR §23.66.215 All 10 working days after processing claim 15/15: working days/ working days to reply Yes No Yes No Yes No No Yes
Reg. 43 Health Paper Claims: 45 days; Electronic claims: 30 days
§23.79.208 All n/a
§23.66.206
CA §790.03 - 790.034 All n/a n/a Yes Yes Yes Yes Yes No No Yes
§1371.35, 10123.147 Health 30 days
CO §10.3.1104 All n/a 30 days Yes No Yes No Yes No No Cap
§10.7.112 Life 30 days
10.16.106.5 Health Paper Claims: 45 days; Electronic claims: 30 days
CT §38a.816 All n/a n/a Yes Yes Yes Yes Yes No No Yes
DC §31.332 Health 30 days n/a Yes No Yes No Yes No No Yes
DE § Reg. 26 All n/a 15/30: working days/ days to pay Yes Yes Yes No Yes No No Yes
FL § 627.4265 All 20 days upon agreement n/a No No Yes No Yes Yes Yes Cap
GA §33.29.3 Health 15 working days n/a No No Yes No No No No Cap
§33.25.10 Life 30 days of death
§33.4.6 All n/a
§33.6.34
HI §431.13 - 431.103(10) All 30 days 15 working days Yes Yes Yes No Yes Yes No Yes
IA §507B.4 - 507B4A.9 All n/a n/a Yes Yes Yes No Yes No Yes Yes
ID §41.1328 Auto 20 days n/a Yes Yes Yes Yes Yes No No Yes
IL §215 ILCS 5/356y - 5/357.9 HMO 30 days n/a No Yes No Yes Yes No No Cap
Reg. 50 §919.80 Auto n/a
§215 ILCS 5/224 Life 15 days
Reg. 50 §919.70 Health/Life n/a
§215 ILCS 5/155 All
IN §27.4.1.4.5 All n/a n/a Yes Yes Yes Yes Yes No No Yes
KS §40.447 Life 10 days n/a No Yes No Yes Yes No No Cap
§40.2.126 All (excl. Life) 30 days
§40.2442 Health
§40.2404 - 2404a All
KY §304.14.400 Fire 30 days n/a Yes Yes Yes Yes Yes No Yes Yes
§304.44.080 Mine (rel.) 90 days
§304.12.230-235 All 30 days
Reg. 806/KAR 12.095 P&C 30 days
LA §22.656 Life 60 days n/a Yes No Yes No Yes Yes Yes Cap
§22.182 Life n/a
§22.657 Health 30 days
§22.658 Excl Life & Health n/a
§22.1220 All
ME 24A §2436 Fire 60 days n/a No Yes Yes Yes Yes No No Yes
All (excl. Fire) 30 days
MD §15.1004 - 15.1005 Health 30 days n/a No Yes No Yes Yes No No Yes
§41A.215 All
MA §176D.3.9 All n/a n/a Yes Yes Yes Yes Yes No No Yes
§93A.9
MI §500.2006 All 60 days n/a Yes Yes Yes Yes Yes Yes No Yes
MN §72A.201All (excl. Health) 30 business days 10 business days Yes Yes Yes Yes Yes No No Yes
§62Q.75 Health 30 days n/a
MS §83-57-59 All n/a n/a Yes Yes Yes Yes Yes No No Yes
§83.5.45
MO §100.1.010 - 100.1.300 All n/a 10 days No Yes Yes No Yes No No Yes
§375.936 - 1000 n/a
MT §33.18.201 - 232 All 30 days n/a Yes Yes No No No No Yes Yes
NE §210.60 - 61 All 15 days n/a Yes Yes Yes Yes Yes Yes Yes No
§44-1525.9
NV §686A.665 All n/a 20 days Yes Yes No No No No No Yes
§SB 99 Accident 30 days after approval n/a
§690B.012 P&C 30 days
§686A.300 Auto 30 days n/a
§683A.0879, 689A.410, 689B.255, 689C.485, 695B.2505, 695C.185 Health 30 days after approval
§686A.310 30 days
NH §407.12 Fire 60 days n/a No Yes Yes No Yes Yes No No
§I.R.1001.02 All 10 days after approval
§415.6.h, 415.18.k, 420.a.17.d, 420.J.8.a Health Paper Claims: 45 days; Electronic claims: 15 days 15 days
§417.4.15 All
NJ §11.2.17.6 - 11.2.17.7 All Auto - 60 days P.I.; n/a Yes Yes Yes Yes Yes No No No
First Party - 30 days (excl. P.I. And auto physical damage) 10 business days
Third Party - 45 days n/a
Third Party P.I. - 90 days
Life - 30 days
Health - 60 days
17.29B.4, 17.48.8.4, 18.48A.7.12, 17.48C.8.1, 17.48D.9.4, 17.48E.10.1, 17.48F.13.1, 17B.26.9.1, 17B.27.44.2, 17B:30.13.1, 26.2J.8.1 Health Electronic Claims: 30 days
17B.25.11, 17B.27.10.1 Life 60 days following death
NM §59A.16.1.21 All 45 days n/a Yes Yes Yes No Yes No No Yes
NY §216.2 -216.11 All 5 days after approval 15 business days No Yes Yes No Yes No No Yes
§40.d.2402.2
IL §3224a Health 45 days 30 days
IL §5106 Auto 30 days
NC §58.3.100All (excl. Health) n/a 30 days Yes Yes Yes No No No No Cap
§58.54.4.11, 58.63.15.1 - 58.63.15.11 All n/a
§58.3.225 Health 30 days
§4.0421 P&C 10 business days after approval
ND §26.1.36.37.1 Health 15 days n/a Yes Yes Yes No Yes No No Cap
§26.1.04.03.9 All n/a
OH §3901.1.07 All 5 days after approval 15 business days Yes Yes Yes No Yes No Yes No
§3901.1.54 P&C 10 days after approval n/a
§3901.1.60 Health 24 days
§3915.052 Life n/a
OK 36 §1219 Health 45 days 30 days Yes Yes Yes No Yes No No Cap
36 §1250.1 - 1250.16 All n/a
36 §3629 n/a
36 §4030.1 Life 30 days 20 days
OR §SB 894 Health 30 days n/a No Yes Yes Yes Yes No No Yes
§836.80.0225 All n/a 30 days
RS§746.230
PA 31§146.5-.6 All n/a 10 business days No Yes Yes Yes Yes No No Yes
42§8371 n/a
73§201.1
§40.37.120.1 Life
PR 26§2716 All 45 days n/a Yes No Yes No Yes No No Yes
IR XLVII§5 n/a 15 business days
RI §27.9.1-4 All n/a 30 days Yes Yes Yes No Yes No No Yes
§9.1.50 30 days after approval n/a
§29.9.1-48 n/a
§27.4.26 Life
§27.18.61, 27.19.52, 27.41.64 Health Paper Claims: 40 days; Electronic claims: 30 days
SC §38.59.20 - 38.59.40 All n/a n/a Yes Yes Yes Yes Yes No No Yes
§30.37.110
SD §58.33.67 All n/a 30 days Yes Yes Yes Yes Yes No No Yes
§58.12.3 n/a
§48.33.67.2
SB§ct;48.33.67.2 Life
TN §56.8.104.8 All n/a n/a No Yes Yes No No No No Yes
§56.7.105 60 days
TX 28§21.203 All n/a 15 days Yes No Yes Yes Yes No No Yes
§21.21.2 n/a
§17.46
28§21.2801-16 Health Paper Claims: 45 days; Electronic claims: 21 days
UT §590.89 All 30 days n/a No Yes Yes Yes Yes No No Yes
§31.19.26.303
§31A.22.309 Auto
VT §8.3665 All 30 days n/a Yes Yes Yes No Yes No No Yes
IR§79.2 n/a 10 days
§4724.a n/a
VA 14§5.400.60 All n/a 10 days No Yes No Yes Yes No No Cap
§38.1.52.9 n/a
§38.2.209
§38.2.510
WA §284.30.300, 284.30.360-380 All n/a n/a Yes No Yes Yes Yes No No Cap
WV §33.11.4 All n/a n/a Yes Yes Yes No Yes No Yes Yes
§114.14.5 - 6 15 days after approval 15 business days
§33.13.14-14a, 33.14.30-30a Life 60 days n/a
§33.43.1-15 Health Paper Claims: 40 days; Electronic claims: 30 days
§33.30.10 Mine (rel.) 120 days
WI §6.11.3 All n/a n/a Yes Yes No No Yes No No Yes
§628.34, 628.46
WY §26.13.101 All n/a n/a Yes Yes Yes No Yes No No Yes
§26.13.124
§26.15.124 45 days

Footnotes:

1. n/a: generally incorporates “promptly” and “reasonable”

2. If you have any questions regarding the above information, please contact your state DOI. FYI, state DOI contact information is available from this website on the following pages:

https://badfaithinsurance.net/your-state-doi-consumer-record/

3. FBIC welcomes those in the legal profession to send comments regarding the content of this page to email:
admin@badfaithinsurance.org

4. FBIC thanks those in the legal profession that participated and helped in compiling this information.

5. AL = Alabama, AK = Alaska, AZ = Arizona, AR = Arkansas, CA = California, CO = Colorado, CT = Connecticut, DE = Delaware, DC = District of Columbia, FL = Florida, GA = Georgia, HI = Hawaii, ID = Idaho, IL = Illinois, IN = Indiana, IA = Iowa, KS = Kansas, KY = Kentucky, LA = Louisiana, ME = Maine, MD = Maryland, MA = Massachusetts, MI = Michigan, MN = Minnesota, MS = Mississippi, MO = Missouri, MT = Montana, NE = Nebraska, NV = Nevada, NH = New Hampshire, NJ = New Jersey, NM = New Mexico, NY = New York, NC = North Carolina, ND = North Dakota, OH = Ohio, OK = Oklahoma, OR = Oregon, PA = Pennsylvania, RI = Rhode Island, SC = South Carolina, SD = South Dakota, TN = Tennessee, TX = Texas, UT = Utah, VT = Vermont, VA = Virginia, WA = Washington, WV = West Virginia, WI = Wisconsin, WY = Wyoming