(A) Be sure the investigation has been thorough enough to satisfy a judge and jury that good faith claim handling procedures have been followed.
(B) Comply with requirements of the Fair Credit Reporting Act by avoiding any access to the claimant’s financial information.
(C) Collect enough evidence to support denial of the claim.
(D) Be sure to spend no more time on settling the claim than is considered standard by claim department guidelines.
(E) Refer most claims to the insurer’s special investigations unit (SIU).