Hawaii Insurance Adjuster License Practice Exam

The appropriate action for an insurer when a consumer complaint is lodged is to respond in writing within 15 days. This timeframe is essential as it demonstrates the insurer's commitment to addressing the concerns of the consumer promptly and transparently. By providing a written response, the insurer can acknowledge the complaint, outline any steps that will be taken to investigate the issue, and communicate possible resolutions. This not only helps in building trust with the consumer but also ensures compliance with regulatory expectations regarding timely communication.

In contrast, ignoring a complaint for 30 days would reflect poorly on the insurer's customer service and could lead to further dissatisfaction. Contacting local authorities is typically reserved for more serious issues than those usually resolved through direct communication between the insurer and the consumer. Issuing an immediate refund may not always be the appropriate response, as it depends on the specifics of the complaint and the insurer's policies; not all complaints necessitate a financial resolution right away. Thus, the correct approach focuses on timely and written communication to handle consumer issues effectively.