Select the interaction between a claim department and a customer that would be considered an unfair claim settlement practice under the (NAIC) Model Unfair Claims Settlement Practices Act. O Claim analyst Marie Kensington hired an outside investigator to verify information related to a claim. O Claim analyst Garth Giske frequently authorizes claim settlements that are substantially less than the actual amount due. O After reviewing a claim for accidental death benefits, claim analyst Maxine Harmon determined that the claimant had misinterpreted the policy's accidental death benefit provision and denied the claim. Trent Jeffers, an analyst trainee, unknowingly failed to complete his first claim investigation within the required amount of time after receiving proof of loss