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STATE INSURANCE LAWS
State |
Statute/Citation |
Line |
Payment |
Acknowledgement |
First Party Insurance |
Liability Insurance |
Third Party Direct Action Allowed |
Bad-Faith Punitive |
Tort |
Contract |
Tort |
Contract |
Assignment |
Tort |
Statute |
Yes/No/Cap |
AL |
§27.1.17 |
Health |
Paper Claims: 45 days; Electronic claims: 30 days |
n/a |
Yes |
No |
Yes |
No |
No |
Yes |
No |
Cap |
§27.12.24 |
All |
AK |
3 AAC26.040 |
All |
n/a |
10 working days |
Yes |
No |
Yes |
Yes |
Yes |
No |
No |
Cap |
§21.36.125 |
AZ |
§ 20.462 |
All |
30 days |
10 working days |
Yes |
No |
Yes |
No |
Yes |
No |
No |
Yes |
R20.6.801 |
All |
§ 20.3101 - 20.3155 |
Health |
§20.461 |
All |
AR |
§23.66.215 |
All |
10 working days after processing claim |
15/15: working days/ working days to reply |
Yes |
No |
Yes |
No |
Yes |
No |
No |
Yes |
Reg. 43 |
Health |
Paper Claims: 45 days; Electronic claims: 30 days |
§23.79.208 |
All |
n/a |
§23.66.206 |
CA |
§790.03 - 790.034 |
All |
n/a |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
§1371.35, 10123.147 |
Health |
30 days |
CO |
§10.3.1104 |
All |
n/a |
30 days |
Yes |
No |
Yes |
No |
Yes |
No |
No |
Cap |
§10.7.112 |
Life |
30 days |
10.16.106.5 |
Health |
Paper Claims: 45 days; Electronic claims: 30 days |
CT |
§38a.816 |
All |
n/a |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
DC |
§31.332 |
Health |
30 days |
n/a |
Yes |
No |
Yes |
No |
Yes |
No |
No |
Yes |
DE |
§ Reg. 26 |
All |
n/a |
15/30: working days/ days to pay |
Yes |
Yes |
Yes |
No |
Yes |
No |
No |
Yes |
FL |
§ 627.4265 |
All |
20 days upon agreement |
n/a |
No |
No |
Yes |
No |
Yes |
Yes |
Yes |
Cap |
GA |
§33.29.3 |
Health |
15 working days |
n/a |
No |
No |
Yes |
No |
No |
No |
No |
Cap |
§33.25.10 |
Life |
30 days of death |
§33.4.6 |
All |
n/a |
§33.6.34 |
HI |
§431.13 - 431.103(10) |
All |
30 days |
15 working days |
Yes |
Yes |
Yes |
No |
Yes |
Yes |
No |
Yes |
IA |
§507B.4 - 507B4A.9 |
All |
n/a |
n/a |
Yes |
Yes |
Yes |
No |
Yes |
No |
Yes |
Yes |
ID |
§41.1328 |
Auto |
20 days |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
IL |
§215 ILCS 5/356y - 5/357.9 |
HMO |
30 days |
n/a |
No |
Yes |
No |
Yes |
Yes |
No |
No |
Cap |
Reg. 50 §919.80 |
Auto |
n/a |
§215 ILCS 5/224 |
Life |
15 days |
Reg. 50 §919.70 |
Health/Life |
n/a |
§215 ILCS 5/155 |
All |
IN |
§27.4.1.4.5 |
All |
n/a |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
KS |
§40.447 |
Life |
10 days |
n/a |
No |
Yes |
No |
Yes |
Yes |
No |
No |
Cap |
§40.2.126 |
All (excl. Life) |
30 days |
§40.2442 |
Health |
§40.2404 - 2404a |
All |
KY |
§304.14.400 |
Fire |
30 days |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
Yes |
Yes |
§304.44.080 |
Mine (rel.) |
90 days |
§304.12.230-235 |
All |
30 days |
Reg. 806/KAR 12.095 |
P&C |
30 days |
LA |
§22.656 |
Life |
60 days |
n/a |
Yes |
No |
Yes |
No |
Yes |
Yes |
Yes |
Cap |
§22.182 |
Life |
n/a |
§22.657 |
Health |
30 days |
§22.658 |
Excl Life & Health |
n/a |
§22.1220 |
All |
ME |
24A §2436 |
Fire |
60 days |
n/a |
No |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
All (excl. Fire) |
30 days |
MD |
§15.1004 - 15.1005 |
Health |
30 days |
n/a |
No |
Yes |
No |
Yes |
Yes |
No |
No |
Yes |
§41A.215 |
All |
MA |
§176D.3.9 |
All |
n/a |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
§93A.9 |
MI |
§500.2006 |
All |
60 days |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
Yes |
MN |
§72A.201 | All (excl. Health) |
30 business days |
10 business days |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
§62Q.75 |
Health |
30 days |
n/a |
MS |
§83-57-59 |
All |
n/a |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
§83.5.45 |
MO |
§100.1.010 - 100.1.300 |
All |
n/a |
10 days |
No |
Yes |
Yes |
No |
Yes |
No |
No |
Yes |
§375.936 - 1000 |
n/a |
MT |
§33.18.201 - 232 |
All |
30 days |
n/a |
Yes |
Yes |
No |
No |
No |
No |
Yes |
Yes |
NE |
§210.60 - 61 |
All |
15 days |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
§44-1525.9 |
NV |
§686A.665 |
All |
n/a |
20 days |
Yes |
Yes |
No |
No |
No |
No |
No |
Yes |
§SB 99 |
Accident |
30 days after approval |
n/a |
§690B.012 |
P&C |
30 days |
§686A.300 |
Auto |
30 days |
n/a |
§683A.0879, 689A.410, 689B.255, 689C.485, 695B.2505, 695C.185 |
Health |
30 days after approval |
§686A.310 |
30 days |
NH |
§407.12 |
Fire |
60 days |
n/a |
No |
Yes |
Yes |
No |
Yes |
Yes |
No |
No |
§I.R.1001.02 |
All |
10 days after approval |
§415.6.h, 415.18.k, 420.a.17.d, 420.J.8.a |
Health |
Paper Claims: 45 days; Electronic claims: 15 days |
15 days |
§417.4.15 |
All |
NJ |
§11.2.17.6 - 11.2.17.7 |
All |
Auto - 60 days P.I.; |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
No |
First Party - 30 days (excl. P.I. And auto physical damage) |
10 business days |
Third Party - 45 days |
n/a |
Third Party P.I. - 90 days |
Life - 30 days |
Health - 60 days |
17.29B.4, 17.48.8.4, 18.48A.7.12, 17.48C.8.1, 17.48D.9.4, 17.48E.10.1, 17.48F.13.1, 17B.26.9.1, 17B.27.44.2, 17B:30.13.1, 26.2J.8.1 |
Health Electronic Claims: 30 days |
17B.25.11, 17B.27.10.1 |
Life |
60 days following death |
NM |
§59A.16.1.21 |
All |
45 days |
n/a |
Yes |
Yes |
Yes |
No |
Yes |
No |
No |
Yes |
NY |
§216.2 -216.11 |
All |
5 days after approval |
15 business days |
No |
Yes |
Yes |
No |
Yes |
No |
No |
Yes |
§40.d.2402.2 |
IL §3224a |
Health |
45 days |
30 days |
IL §5106 |
Auto |
30 days |
NC |
§58.3.100 | All (excl. Health) |
n/a |
30 days |
Yes |
Yes |
Yes |
No |
No |
No |
No |
Cap |
§58.54.4.11, 58.63.15.1 - 58.63.15.11 |
All |
n/a |
§58.3.225 |
Health |
30 days |
§4.0421 |
P&C |
10 business days after approval |
ND |
§26.1.36.37.1 |
Health |
15 days |
n/a |
Yes |
Yes |
Yes |
No |
Yes |
No |
No |
Cap |
§26.1.04.03.9 |
All |
n/a |
OH |
§3901.1.07 |
All |
5 days after approval |
15 business days |
Yes |
Yes |
Yes |
No |
Yes |
No |
Yes |
No |
§3901.1.54 |
P&C |
10 days after approval |
n/a |
§3901.1.60 |
Health |
24 days |
§3915.052 |
Life |
n/a |
OK |
36 §1219 |
Health |
45 days |
30 days |
Yes |
Yes |
Yes |
No |
Yes |
No |
No |
Cap |
36 §1250.1 - 1250.16 |
All |
n/a |
36 §3629 |
n/a |
36 §4030.1 |
Life |
30 days |
20 days |
OR |
§SB 894 |
Health |
30 days |
n/a |
No |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
§836.80.0225 |
All |
n/a |
30 days |
RS§746.230 |
PA |
31§146.5-.6 |
All |
n/a |
10 business days |
No |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
42§8371 |
n/a |
73§201.1 |
§40.37.120.1 |
Life |
PR |
26§2716 |
All |
45 days |
n/a |
Yes |
No |
Yes |
No |
Yes |
No |
No |
Yes |
IR XLVII§5 |
n/a |
15 business days |
RI |
§27.9.1-4 |
All |
n/a |
30 days |
Yes |
Yes |
Yes |
No |
Yes |
No |
No |
Yes |
§9.1.50 |
30 days after approval |
n/a |
§29.9.1-48 |
n/a |
§27.4.26 |
Life |
§27.18.61, 27.19.52, 27.41.64 |
Health |
Paper Claims: 40 days; Electronic claims: 30 days |
SC |
§38.59.20 - 38.59.40 |
All |
n/a |
n/a |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
§30.37.110 |
SD |
§58.33.67 |
All |
n/a |
30 days |
Yes |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
§58.12.3 |
n/a |
§48.33.67.2 |
SB§ct;48.33.67.2 |
Life |
TN |
§56.8.104.8 |
All |
n/a |
n/a |
No |
Yes |
Yes |
No |
No |
No |
No |
Yes |
§56.7.105 |
60 days |
TX |
28§21.203 |
All |
n/a |
15 days |
Yes |
No |
Yes |
Yes |
Yes |
No |
No |
Yes |
§21.21.2 |
n/a |
§17.46 |
28§21.2801-16 |
Health |
Paper Claims: 45 days; Electronic claims: 21 days |
UT |
§590.89 |
All |
30 days |
n/a |
No |
Yes |
Yes |
Yes |
Yes |
No |
No |
Yes |
§31.19.26.303 |
§31A.22.309 |
Auto |
VT |
§8.3665 |
All |
30 days |
n/a |
Yes |
Yes |
Yes |
No |
Yes |
No |
No |
Yes |
IR§79.2 |
n/a |
10 days |
§4724.a |
n/a |
VA |
14§5.400.60 |
All |
n/a |
10 days |
No |
Yes |
No |
Yes |
Yes |
No |
No |
Cap |
§38.1.52.9 |
n/a |
§38.2.209 |
§38.2.510 |
WA |
§284.30.300, 284.30.360-380 |
All |
n/a |
n/a |
Yes |
No |
Yes |
Yes |
Yes |
No |
No |
Cap |
WV |
§33.11.4 |
All |
n/a |
n/a |
Yes |
Yes |
Yes |
No |
Yes |
No |
Yes |
Yes |
§114.14.5 - 6 |
15 days after approval |
15 business days |
§33.13.14-14a, 33.14.30-30a |
Life |
60 days |
n/a |
§33.43.1-15 |
Health |
Paper Claims: 40 days; Electronic claims: 30 days |
§33.30.10 |
Mine (rel.) |
120 days |
WI |
§6.11.3 |
All |
n/a |
n/a |
Yes |
Yes |
No |
No |
Yes |
No |
No |
Yes |
§628.34, 628.46 |
WY |
§26.13.101 |
All |
n/a |
n/a |
Yes |
Yes |
Yes |
No |
Yes |
No |
No |
Yes |
§26.13.124 |
§26.15.124 |
45 days |
Footnotes:
1. n/a: generally incorporates "promptly" and "reasonable"
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