GEORGIA INSURANCE LAWS CLAIMS
ADJUSTMENT AND SETTLEMENT PRACTICE
ASSESSMENT SCRIPT ITEMS ANSWERS
DISPUTE RESOLUTION GUIDE 2026
◉ What is defamation
Answer: Publishing, or spreading around either verbally, or written
anything that is false or maliciously derogatory about the financial
condition of an insurer with the intent to injure the insurer
◉ What is unfair discrimination
Answer: basing rates on such things as race, color or national origin.
Any activity that results in discrimination that is considered unfair is
unlawful.
◉ What are the specific examples in the Georgia Act of Unfair
Discrimination
Answer: • Permitting any unfair discrimination between individuals
of the same class and equal expectation of life in rates charged for a
life policy or annuity;
• Permitting any unfair discrimination between individuals of the
same class and essentially the same hazard in the amount of
premium fees for any accident or health policy;
,• Permitting any unfair discrimination between individuals of the
same class and essentially the same hazard by refusing to insure,
refusing to renew or limiting the amount of insurance on a property
or casualty risk solely because of geographic location of risk or age,
unless just cause may be shown to be based on sound underwriting
and is actuarially based;
• Refusing to insure, refusing to continue to insure, or limiting the
amount of coverage available to a person because of gender, race,
religion, national origin, marital status, income or
educational background of the person;
• Refusing to insure solely because another insurer has refused to
write a policy or has canceled or refused to renew an existing policy
in which that person was a named insured.
◉ What is rebating
Answer: the giving or promise to give a person or business
something of value so as to induce them to buy a policy of insurance
◉ What is twisting
Answer: When an agent or life insurance company misrepresents
the facts in order to replace a policy from company A with one
from company B
◉ What is churning
, Answer: when the policyowner is induced through
misrepresentation to cancel an existing policy and replace it with
another policy of the same company or family of companies.
◉ Is replacement illegal
Answer: No, not when all of the facts are fully disclosed
◉ What is a "guaranteed issue" advertising violation
Answer: When an insurance policy is advertised as guaranteed issue
when in actuality, certain terms must be met
◉ What is the rule regarding family violence
Answer: No person shall deny or refuse to accept an application;
refuse to insure; refuse to renew; cancel, restrict, charge a different
rate for the same coverage or exclude or limit coverage on the basis
that applicant or insured is or
has been a victim of family violence
◉ What must happen in order for the commissioner to suspend,
issue a civil penalty, or revoke a license because of an unfair claim
practice
Answer: It must be committed knowingly, or with such frequency as
to indicate a general business practice
ADJUSTMENT AND SETTLEMENT PRACTICE
ASSESSMENT SCRIPT ITEMS ANSWERS
DISPUTE RESOLUTION GUIDE 2026
◉ What is defamation
Answer: Publishing, or spreading around either verbally, or written
anything that is false or maliciously derogatory about the financial
condition of an insurer with the intent to injure the insurer
◉ What is unfair discrimination
Answer: basing rates on such things as race, color or national origin.
Any activity that results in discrimination that is considered unfair is
unlawful.
◉ What are the specific examples in the Georgia Act of Unfair
Discrimination
Answer: • Permitting any unfair discrimination between individuals
of the same class and equal expectation of life in rates charged for a
life policy or annuity;
• Permitting any unfair discrimination between individuals of the
same class and essentially the same hazard in the amount of
premium fees for any accident or health policy;
,• Permitting any unfair discrimination between individuals of the
same class and essentially the same hazard by refusing to insure,
refusing to renew or limiting the amount of insurance on a property
or casualty risk solely because of geographic location of risk or age,
unless just cause may be shown to be based on sound underwriting
and is actuarially based;
• Refusing to insure, refusing to continue to insure, or limiting the
amount of coverage available to a person because of gender, race,
religion, national origin, marital status, income or
educational background of the person;
• Refusing to insure solely because another insurer has refused to
write a policy or has canceled or refused to renew an existing policy
in which that person was a named insured.
◉ What is rebating
Answer: the giving or promise to give a person or business
something of value so as to induce them to buy a policy of insurance
◉ What is twisting
Answer: When an agent or life insurance company misrepresents
the facts in order to replace a policy from company A with one
from company B
◉ What is churning
, Answer: when the policyowner is induced through
misrepresentation to cancel an existing policy and replace it with
another policy of the same company or family of companies.
◉ Is replacement illegal
Answer: No, not when all of the facts are fully disclosed
◉ What is a "guaranteed issue" advertising violation
Answer: When an insurance policy is advertised as guaranteed issue
when in actuality, certain terms must be met
◉ What is the rule regarding family violence
Answer: No person shall deny or refuse to accept an application;
refuse to insure; refuse to renew; cancel, restrict, charge a different
rate for the same coverage or exclude or limit coverage on the basis
that applicant or insured is or
has been a victim of family violence
◉ What must happen in order for the commissioner to suspend,
issue a civil penalty, or revoke a license because of an unfair claim
practice
Answer: It must be committed knowingly, or with such frequency as
to indicate a general business practice
