Pennsylvania
For Pennsylvania, obligation is notify of need for more time; deadline is every 45 days; day type is days; clock starts from is the investigation cannot be completed within 30 days; citation is 31 Pa. Code 146.6, recorded from its source on 2026-08-11.
- State
- Pennsylvania our reading
- Obligation
- notify of need for more time our reading
- Deadline
- every 45 days verified
- Day type
- days verified
- Clock starts from
- the investigation cannot be completed within 30 days verified
- Citation
- 31 Pa. Code 146.6
- Instrument
- regulation our reading
- Applies to
- insurance policies and insurance contracts except policies of workers' compensation insurance and fidelity, surety and guaranty bonds
Values marked our reading are our classification of what the source says — the source does not print them in those words. The quote below is the evidence for each one; judge it yourself.
What the source says
If the investigation cannot be completed within 30 days, and every 45 days thereafter, the insurer shall provide the claimant with a reasonable written explanation for the delay and state when a decision on the claim may be expected.
— pacodeandbulletin.gov, retrieved 2026-08-11
Sources disagree
More than one authority states this, and they do not state the same thing. Both are reproduced with the source each came from — deciding between them is yours, not ours.
Deadline
pacodeandbulletin.gov says deadline is every 45 days, as of 2026-08-11.
If the investigation cannot be completed within 30 days, and every 45 days thereafter, the insurer shall provide the claimant with a reasonable written explanation for the delay and state when a decision on the claim may be expected.
pacodeandbulletin.gov says deadline is within 15 working days, as of 2026-08-11.
If the insurer needs more time to determine whether a first-party claim should be accepted or denied, it shall so notify the first-party claimant within 15 working days after receipt of the proofs of loss giving the reasons more time is needed.
Day type
pacodeandbulletin.gov says day type is days, as of 2026-08-11.
If the investigation cannot be completed within 30 days, and every 45 days thereafter, the insurer shall provide the claimant with a reasonable written explanation for the delay and state when a decision on the claim may be expected.
pacodeandbulletin.gov says day type is working days, as of 2026-08-11.
If the insurer needs more time to determine whether a first-party claim should be accepted or denied, it shall so notify the first-party claimant within 15 working days after receipt of the proofs of loss giving the reasons more time is needed.
Clock starts from
pacodeandbulletin.gov says clock starts from is the investigation cannot be completed within 30 days, as of 2026-08-11.
If the investigation cannot be completed within 30 days, and every 45 days thereafter, the insurer shall provide the claimant with a reasonable written explanation for the delay and state when a decision on the claim may be expected.
pacodeandbulletin.gov says clock starts from is receipt of the proofs of loss, as of 2026-08-11.
If the insurer needs more time to determine whether a first-party claim should be accepted or denied, it shall so notify the first-party claimant within 15 working days after receipt of the proofs of loss giving the reasons more time is needed.
Citation
pacodeandbulletin.gov says citation is 31 Pa. Code 146.6, as of 2026-08-11.
If the investigation cannot be completed within 30 days, and every 45 days thereafter, the insurer shall provide the claimant with a reasonable written explanation for the delay and state when a decision on the claim may be expected.
pacodeandbulletin.gov says citation is 31 Pa. Code 146.7, as of 2026-08-11.
If the insurer needs more time to determine whether a first-party claim should be accepted or denied, it shall so notify the first-party claimant within 15 working days after receipt of the proofs of loss giving the reasons more time is needed.
Source
- pacodeandbulletin.govhttps://www.pacodeandbulletin.gov/Display/pacode?file=/secure/pacode/data/031/chapter146/chap146toc.html