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

Timely investigation of claims is indeed a practice that aligns with the expectations and ethical requirements set forth in insurance regulations. In Connecticut, as in many states, insurers are expected to handle claims promptly and fairly. A timely investigation ensures that claims are processed efficiently, allowing policyholders to receive their due benefits without undue hardship.

In contrast, the other choices reflect actions that are considered unfair claim settlement practices. Denying claims without referencing relevant policy details lacks transparency and undermines the trust between the insurer and the insured. Intentional misrepresentation of policy facts is deceptive and can lead to significant legal repercussions. Unnecessary delays in claims processing can cause financial strain on claimants, particularly if they are relying on the payout for urgent needs. All these actions contribute to a negative experience for policyholders and fall into the category of unfair practices under regulatory oversight.