23 CAR § 15-105 – Failure to acknowledge pertinent communications

(a) The provisions of this section shall not apply to persons that are defined as health carriers under 23 CAR § 15-103(b)(8).
(b)
1. (1) Every insurer, upon receiving notification of a claim shall, within fifteen (15) working days, acknowledge the receipt of such notice unless payment is made within such period of time.
2. (2) If an acknowledgement is made by means other than in writing, an appropriate notation of such acknowledgement shall be made in the claim file of the insurer and dated.
3. (3) Notification given to an agent of an insurer shall be notification to the insurer.
4. (4) Pursuant to Arkansas Code § 23-79-126, insurers shall furnish forms for proof of loss within twenty (20) calendar days after a loss has been reported, or thereafter waive proof of loss requirements.
5. (5) Insurers shall not require a claimant to calculate depreciated value of personal property on forms for proof of loss.
(c) Every insurer upon receipt of any inquiry from the State Insurance Department respecting a claim shall within fifteen (15) working days of such inquiry furnish the department with a reasonably adequate response to the inquiry.
(d) An appropriate reply shall be made within fifteen (15) working days on all other pertinent communications from a claimant which reasonably suggest that a response is expected.
(e) Every insurer, upon receiving notification of a claim, shall promptly provide necessary claim forms, instructions, and reasonable assistance to claimants so that first-party claimants can comply with the policy conditions and the insurer's reasonable requirements.