Which of the following is not an unfair claim settlement practice?

The accurate choice highlights that requiring written documentation of claim details is not considered an unfair claim settlement practice. In the insurance industry, it is common and necessary for insurers to request documentation to substantiate claims. This requirement ensures that claims are handled fairly, allowing the insurer to assess the legitimacy of the claim and determine the correct amount payable.

On the other hand, failing to acknowledge and act promptly on an insurance claim, compelling an insured to initiate a lawsuit by offering an inadequate amount, and delaying acceptance or denial of a claim after receiving proof of loss are all practices that can negatively impact claimants. These actions can create unnecessary stress for policyholders and can be seen as tactics that undermine the fair treatment of insurance claims. Thus, the correct choice reflects a standard procedural practice that does not constitute unfair treatment toward insured individuals.