Insurers must provide the requested recorded personal information within how many business days after receiving a consumer request?

• A. 15 business days
• B. 30 business days
• C. 45 business days
• D. 60 business days

Answer: (B)

Providing access to recorded personal information must be timely so consumers can review what data an insurer holds and ensure accuracy. In North Carolina, when a consumer requests their recorded personal information, the insurer must respond within 30 business days of receiving the request. This timeframe starts when the request is received and applies whether the insurer is providing the records or explaining any partial denial or delay. The 30-business-day standard balances giving the insurer enough time to locate and compile records with the consumer’s right to timely access. Shorter timeframes, like 15 days, are not the standard, and longer ones, such as 45 or 60 days, exceed the typical requirement unless a specific extension is allowed for complex requests.