Under Stage 1 of the RTA low value protocol, the insurer must respond to liability within how many business days?

• A. 30 business days
• B. 5 business days
• C. 15 business days
• D. Immediately

Answer: (C)

Stage 1 sets a tight deadline to get a liability decision in quickly so low-value RTA claims move forward without costly delay. The insurer must respond within 15 business days of receiving the claim, counting only business days (weekdays, excluding bank holidays). If liability is admitted within that period, the process moves on to determine the amount (quantum). If liability is denied, the case continues under the Stage 1 process with further steps as needed.