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:

http://badfaithinsurance.com/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