State RegulationsCO specificDifficulty 3/5
Under C.R.S. § 10-3-1104(1)(c), a statement about a competitor's financial condition constitutes insurance defamation only if it is false or maliciously critical and also:
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
C.R.S. § 10-3-1104(1)(c) defines insurance defamation as making, publishing, or disseminating a statement that is false, or maliciously critical or derogatory to a person's financial condition, and calculated to injure such person. The calculated-to-injure element is what separates punishable defamation from mere criticism.
Why the other options are wrong
- B) No publication medium is specified; oral or written statements and literature all qualify.
- C) The prohibition applies to any person, including insurers and their officers, employees, and agents.
- D) The statute contains no repetition requirement; a single qualifying statement is enough.
Memory hook
False plus aimed to hurt — that is defamation; grumbling alone is not.