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Ethics & accountability · Balancing user vs business interest

Your unit is over its loss-ratio target for the quarter, and a manager suggests you slow-walk a batch of valid first-party claims into next period. The claims are covered and the policyholders are waiting. What do you do?

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A covered claim owed today doesn't become owed next quarter — deliberate delay to manage a ratio is bad faith, and in most states it's a per-se unfair claims settlement practice.…

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