Which claims are primarily handled under state regulations in the context of first-party medical claims?

Auto insurance claims are primarily handled under state regulations because each state has its own laws governing automobile insurance, including the requirements for coverage, the handling of claims, and the rights of policyholders. State regulations establish minimum coverage limits, dictate procedures for reporting accidents, and outline the process for filing claims. This localization allows states to tailor their insurance laws to better fit the needs and circumstances of their residents.

In contrast, life insurance claims, health insurance claims, and disability insurance claims are more influenced by federal regulations, industry standards, and company policies rather than being primarily governed by state regulations. While states do have some role in regulating these types of insurance, the complexities and variations in laws for auto insurance mean that those claims are particularly subject to state oversight, making them the correct context within the question's parameters.