Which of the following is a requirement for insurers when handling claims?

Insurers are required to respond to claims in writing to ensure transparency and provide a clear record of communication regarding the claim's status. This requirement helps maintain accountability and protect the rights of policyholders by keeping them informed. Written communication can outline the reasons behind a decision, whether it relates to the acceptance, denial, or further investigation of the claim, thereby promoting fairness in the claims process. This practice is also crucial for documentation purposes, both for the insurer and the insured, facilitating potential disputes or appeals in a structured manner.

In contrast, denying claims without explanation does not align with ethical practices or regulatory requirements, as insurers must provide valid reasons supported by policy terms. Furthermore, while external agencies may assist with certain aspects of claims processing, relying solely on them is not a blanket requirement—insurers often manage claims internally. Lastly, tracking claims is essential for both accountability and regulatory compliance, making it vital for insurers to keep precise records throughout the claims process.