Final answer:
Under Florida's Unfair Insurance Trade Practices Act, not responding to an insured's calls, because you haven't made up your mind yet, would not be a preferred claims practice. Preferred practices include providing clear explanations to claimants, conducting thorough investigations, and promptly acknowledging claims.
Step-by-step explanation:
Under Florida's Unfair Insurance Trade Practices Act, (A) not responding to an insured's calls because you haven't made up your mind yet would not be a preferred claims practice or behavior. This is because it shows a lack of communication and responsiveness to the insured's concerns. The Act emphasizes the importance of timely and fair claims handling.
In contrast, (B) sending a letter to a claimant explaining why you can't pay their claim, or offering a compromise based on specific facts and legal issues is a preferred practice. The Act encourages insurers to provide clear explanations and options to claimants regarding the status of their claims.
(C) Contacting a witness the day after receiving the claim and getting additional facts about the accident is also a preferred practice. Gathering additional facts and conducting thorough investigations demonstrate good faith efforts by insurers to properly evaluate claims.
(D) Contacting an insured or claimant immediately upon receipt of a claim for property damage or bodily injury is another preferred practice. Prompt communication allows insurers to acknowledge the claim and begin the claims handling process promptly.