Under Illinois regulations, when might an insurer deny a claim?

The correct answer is A, as insurers have a responsibility to establish time limits for filing claims to ensure the claims process is efficient and fair. Under Illinois regulations, if a policyholder fails to submit a claim within the specified time frame outlined in their insurance policy, the insurer may deny the claim due to late submission. This provision is crucial for maintaining timely claims handling and preventing potential fraud or claims that may be difficult to substantiate after an extended period.

In contrast to this, unreported prior claims typically do not lead to an automatic denial of a current claim. Instead, insurers often consider the impact of prior claims on the current situation, but it is not a straightforward basis for denial. Regarding a policy meeting every single exception listed, while exceptions can indeed form grounds for denials, a well-crafted policy shouldn't allow for outright denial just based on exceptions alone. Furthermore, denying a claim solely based on a judge ruling against the claimant fails to take into account the broader context of policy terms and the claims process, which is governed by more nuanced criteria than simply a court's decision.