Section 919.60  Improper Practices or Procedures for all Insurance Companies

a)         No company shall indicate to an insured on a payment draft, check or in any accompanying letter that said payment is "final" or "a release" of any claim unless the policy limit has been paid or there is a bonafide dispute either over coverage or the amount payable under the policy.

b)         No company shall make any statement, written or oral, requiring an insured to complete a proof of loss in less time than is provided in the policy.

c)         No company shall make any statement requiring an insured to give written notice of loss within a specified time so that the company is relieved of its obligations under a policy if such time limit is not complied with, unless such a statement is made after the insured's unreasonable failure to give written notice.

d)         No company shall request or require any insured to submit to a polygraph examination.  The use of examinations under oath, sworn statements or similar procedures shall not be so restricted, if authorized under the applicable insurance contracts.

(Source:  Amended at 13 Ill. Reg. 1204, effective January 11, 1989)