All of the following are considered unfair claims practices, EXCEPT:

Paying claims without an investigation is not typically classified as an unfair claims practice. In the context of insurance, when an insurer pays a claim, it is expected to conduct a reasonable investigation to ensure that the claim is valid and that it falls within the coverage parameters of the policy. However, there are instances where an insurer may determine that a claim is straightforward and warrants immediate payment, thus potentially bypassing extensive investigation. This can be a common practice in situations where the claim is clear-cut or minor.

In contrast, misrepresenting pertinent facts, failing to acknowledge client communications, and making claim payments without a coverage statement are all actions that can undermine the rights of policyholders and are classified as unfair practices. These practices can lead to significant issues for policyholders in terms of trust and transparency in their dealings with insurers. Thus, the other options clearly reflect actions that violate ethical standards in insurance claims handling, while the selected choice recognizes a scenario where an insurer's actions may not necessarily be deemed unfair.