An insurer routinely tells claimants that policy benefits are lower than they actually are, hoping to settle for less. Under §790.03(h), this conduct is best classified as:
a.Twisting, a misrepresentation made to induce a replacement
b.Boycott
c.An unfair claims settlement practice
d.Defamation of an insurer's financial condition
Explanation
Section 790.03(h) enumerates 16 unfair claims settlement practices, including misrepresenting pertinent facts or policy provisions to claimants. Twisting concerns replacement of policies, defamation concerns false statements about insurers, and boycott concerns coercion among insurers.
Law Reference: Cal. Ins. Code §790.03(h)This topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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