What is the common waiting period for a claim to be processed under California law?

In California, the common waiting period for processing a claim is typically 15 working days. This timeframe is outlined in the California Department of Insurance regulations, which require insurers to acknowledge and begin the investigation of a claim within this duration. This regulation is designed to ensure that claimants receive timely updates and that their claims are handled efficiently.

Considering 15 working days specifically enables the insurance company to gather necessary information and documentation before making a decision. This approach balances the need for thorough investigation with the expectation of prompt service for claimants. The concept of "working days" also excludes weekends and holidays, which is an important distinction that contributes to the overall timeframe.

In contrast, the other options present either longer or shorter periods that do not align with established practices. A waiting period of 10 working days is insufficient for typical claim investigations, while 30 calendar days extends beyond the usual expectations for prompt acknowledgment. Similarly, 60 working days would be excessive for initial processing and would not meet the regulatory standards aimed at protecting consumers' rights to timely compensation.