Which of the following constitutes unfair trade practices under Connecticut law?

Misrepresentation of policy terms is deemed an unfair trade practice under Connecticut law because it involves providing false or misleading information regarding the details and conditions of an insurance policy. This practice can lead to consumer confusion and can prevent individuals from making informed decisions about their insurance coverage. Misrepresenting what a policy covers or the terms of that coverage not only undermines consumer trust but can also disrupt the fair operation of the insurance market by creating inequalities between what the insured believes they are purchasing and the actual terms of coverage. Therefore, such behavior is prohibited to ensure that all policyholders are treated fairly and can rely on accurate information when selecting insurance products.

In contrast, offering discounts on premiums, advertising insurance policies, and providing customer service are standard practices within the industry intended to enhance customer engagement and satisfaction. These activities do not compromise the transparency or integrity of the insurance products being offered and are generally seen as beneficial practices to promote competition and consumer choice in the marketplace.