State RegulationsAZ specificDifficulty 2/5
A policyholder in Scottsdale gives written notice of a hospitalization claim, but the insurer does not furnish claim forms within the period required by A.R.S. 20-1350. What may the policyholder do?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under A.R.S. 20-1350, if the insurer fails to furnish claim forms within 15 days after notice of claim, the claimant may send the insurer written proof of loss without the forms. The claim is not defeated by the insurer's own delay, and this alternative filing right keeps the Arizona claim process from stalling on the insurer's inaction.
Why the other options are wrong
- A) A.R.S. 20-1350 gives the claimant an alternative route rather than a requirement to wait; the claimant's compliance does not depend on the insurer supplying forms.
- C) The failure to furnish forms does not waive the insurer's defenses or create an immediate right to sue; A.R.S. 20-1350 only shifts the proof-of-loss burden to the claimant's own submission.
- D) A.R.S. 20-1350 governs claim forms and proof of loss, not cancellation or premium refunds; the policy remains in force according to its terms.
Memory hook
No forms from the insurer? Send your own proof of loss.