In the stage 2 period of the RTA low value protocol, after sending the stage 2 settlement pack with an offer to settle, how long does the insurer have to accept or counter the offer?

• A. 10 days
• B. 20 days
• C. 15 days
• D. 30 days

Answer: (C)

The stage of the RTA low value protocol tests your knowledge of the response deadline for an offer to settle. After the stage 2 settlement pack is sent with an offer to settle, the insurer has a fixed 15-day window to either accept the offer or issue a counter-offer. This short, clear deadline keeps the process moving quickly and supports a timely resolution. If the offer is accepted within those 15 days, settlement proceeds on those terms. If a counter-offer is issued, a new 15-day period starts for the other side to respond. If no action is taken within the 15 days, the offer typically lapses and the claim may progress under the protocol’s next steps.