Which of the following practices is NOT considered an unfair claim settlement practice?

The practice of investigating claims thoroughly is essential in the insurance industry and is considered a fair and necessary action. Proper investigation ensures that claims are handled based on factual information, which leads to fair settlements for all parties involved. Thorough investigations help in determining the validity of the claims and in defending against potential fraudulent claims. This practice aligns with the ethical duty of adjusters to act in good faith and uphold their responsibilities to both policyholders and the insurance company.

In contrast, practices like refusing to pay the full claim amount without valid reasons, delaying payment without proper explanation, or settling claims without adequate information can create significant issues for consumers. These actions undermine trust in the insurance process and can result in unfair treatment of policyholders. Therefore, thorough investigation is a crucial aspect of a fair and equitable claims settlement process, distinguishing it clearly as a practice that does not fall into the category of unfair claim settlement practices.