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

Requiring written documentation of claim details is a standard procedure in the claims process and is necessary to determine the validity and extent of a claim. Insurance companies often need documented evidence to support a claim, which might include medical records, police reports, or receipts. This practice is considered reasonable and necessary for ensuring that all claims are assessed fairly based on the information provided by the claimant.

In contrast, refusing to settle claims promptly, failing to provide a reasonable explanation for the denial of a claim, and offering low settlements to claimants are all considered unfair claim settlement practices. These actions can harm the insured by delaying necessary benefits or not providing adequate compensation based on the terms of the policy. Such practices undermine the trust between the insurer and the insured and violate ethical standards in the insurance industry. Therefore, needing written documentation is a legitimate practice rather than an unfair claim settlement practice.