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

The correct answer indicates a practice that is permissible within the insurance claims process. Needing written documentation of claim details is a standard requirement in the insurance industry to ensure that all claims are substantiated with appropriate evidence. This requirement helps ensure compliance with policy terms and prevents fraudulent claims, which is a legitimate practice aimed at protecting both the insurer and the insured.

In contrast, delaying the settlement process, conducting inadequate investigations of claims, and refusing to pay legitimate claims are all considered unfair claims settlement practices. These actions undermine the trust and efficiency of the claims process, potentially causing financial hardship for policyholders and violating the ethical responsibilities insurers have towards their clients. Therefore, the need for written documentation stands apart as a reasonable and necessary practice, rather than an unfair one.