Section 230-RICR-20-40-2.5 - Misrepresentation of Policy ProvisionsA. No insurer shall fail to fully disclose to first party claimants all pertinent benefits, coverages, or other provisions of a policy or contract under which a claim is presented.B. No agent shall conceal from first party claimants benefits, coverages or other provisions of any insurance policy or insurance contract when such benefits, coverages or other provisions are pertinent to a claim.C. A first party claim shall not be denied on the basis of failure to exhibit property unless there is documentation of breach of the policy provisions in the claim file.D. No insurer shall deny a claim based upon the failure of a first party claimant to give written notice of loss within a specified time limit unless the written notice is a written policy condition, or first party claimant's failure to give written notice after being requested to do so is so unreasonable as to constitute a breach of the first party claimant's duty to cooperate with the insurer.E. No insurer shall indicate to a first party claimant on a payment draft, check or in any accompanying letter that said payment is "final" or "a release" of any claim or specified part of a claim unless the policy limit has been paid or there has been a compromise settlement agreed to by the first party claimant and the Insurer as to coverage and amount payable under the contract.F. No insurer shall issue checks or drafts in partial settlement of a loss or claim under a specific coverage that contains language purporting to release the insurer or it's insured from total liability.230 R.I. Code R. 230-RICR-20-40-2.5
Amended effective 6/11/2019
Amended effective 12/24/2019