Under Georgia's unfair claims settlement practices rules, when an insured requests the insurer's claim forms, how quickly must the insurer furnish them, together with reasonable explanations of their use?

Why A is correct

Under O.C.G.A. § 33-6-34(11), failing to furnish claim forms within 15 calendar days of a request, together with reasonable explanations of their use, is an unfair claims settlement practice in Georgia. The 15-day calendar count runs from the insured's or claimant's request, and the Insurance Commissioner enforces the article through the frequency-and-knowledge standard of O.C.G.A. § 33-6-33.

Why the other options are wrong

• B) The 15-working-day measure applies to payment of electronic claims, not to furnishing claim forms; O.C.G.A. § 33-6-34(11) uses calendar days.
• C) Thirty calendar days is the paper-claim payment deadline, not the claim-form deadline under O.C.G.A. § 33-6-34(11).
• D) A definite deadline exists; O.C.G.A. § 33-6-34(11) makes late furnishing of claim forms an unfair claims settlement practice.

Memory hook

Forms in 15 calendar days — forms are calendar, claims are working.

Why B is correct

Under O.C.G.A. § 33-6-34(11), failing to provide claim forms within 15 calendar days of a request, with reasonable explanations of their use, is an enumerated unfair claims settlement practice. This rule protects claimants from stalling at the very start of the claims process. It is distinct from the accident and sickness standard-provision rule requiring an insurer to furnish forms within 10 working days after notice of claim under O.C.G.A. § 33-29-3(b)(6).

Why the other options are wrong

• A) 10 working days is the A&S standard-provision deadline for furnishing forms after notice of claim under O.C.G.A. § 33-29-3(b)(6), not the unfair-claims deadline triggered by a request.
• C) 30 calendar days is the deadline for paying paper claims to providers under O.C.G.A. § 33-6-34(15)(B), not for delivering claim forms.
• D) 60 calendar days is the waiting period before a legal action on a policy, not a claims-form deadline.

Memory hook

Forms fast - fifteen calendar days from the ask.