Nebraska Property and Casualty Practice Test

The correct answer, which states that it is considered an unfair claims settlement practice if an insurer fails to provide the necessary forms to the insured within 15 working days of receipt, aligns with regulations governing insurance practices. In many jurisdictions, including Nebraska, insurers have a duty to expedite the claims process to ensure that policyholders can efficiently present their claims.

The emphasis on "working days" signifies that the count excludes weekends and public holidays, reflecting a standard business context in which responses to claims should be timely and efficient. This helps protect the rights of the insured, ensuring they receive the necessary support without unnecessary delays.

In contrast, options suggesting longer timeframes or calendar days are not aligned with the regulatory framework regarding promptness in claims processing, which reinforces the importance of a swift response to claims to foster trust and maintain fair practices in the insurance industry.