Which factor can prompt a review of an unfair claim in Indiana insurance practices?

A written complaint to the Commissioner is a significant factor that can prompt a review of an unfair claim in Indiana insurance practices. When a policyholder submits a written complaint, it formally notifies the insurance regulatory authority of potential misconduct or unfair practices by an insurance company. This triggers a level of scrutiny and investigation required to ensure compliance with state insurance laws and regulations.

The act of lodging a complaint serves as a critical mechanism for consumers to address grievances, which the Commissioner is mandated to take seriously. It can lead to a detailed review of the circumstances surrounding the unfair claim, examining practices related to claim handling and the treatment of policyholders.

Regarding the other options, while delays in submitting a complaint, exceeding premium payment timelines, or completing a policyholder survey may have their own consequences within the insurance process, they do not directly initiate the same level of formal investigation by the Commissioner as a written complaint does. Therefore, a written complaint is the most effective trigger for a review concerning unfair claims practices.