Which of the following describes an insurer's obligation regarding consumer complaints?

An insurer's obligation regarding consumer complaints is to respond in writing within 15 days. This requirement is in place to ensure that consumers receive a timely and formal acknowledgment of their concerns, demonstrating the insurer's commitment to addressing issues professionally and transparently. By providing a written response, the insurer not only documents their engagement with the complaint but also offers clarity and assurance to the consumer that their grievance is being taken seriously, which is a critical aspect of customer service and regulatory compliance in the insurance industry.

In many jurisdictions, including Hawaii, such regulations are intended to foster accountability and protect consumers, ensuring that their rights are upheld and they receive a fair process for resolving their complaints.