Section 18.03.05.020 - SUPERVISION OF CREDIT INSURANCE OPERATIONS01.Responsibilities of Insurer. Each insurer transacting credit insurance in this state is responsible for the settlement, adjustment and payment of all claims and is responsible for conducting a thorough periodic review of creditors with respect to their credit insurance business with such creditors, to assure compliance with the insurance laws of this state and the rules promulgated by the Director. Such review needs to include, but not be limited to, a verification of the accuracy of premium payments or other identifiable charges, premium refunds, and claims incurred.02.Maintenance of Records. Records of such reviews will be maintained for four (4) years for review by the director.Idaho Admin. Code r. 18.03.05.020