State RegulationsAZ specificDifficulty 2/5
An insurer in Arizona receives notice of a health claim but fails to furnish claim forms within the period required by A.R.S. 20-1350. What may the claimant do?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
A.R.S. 20-1350 provides that if the insurer fails to furnish claim forms within 15 days after notice of claim, the claimant may send written proof of loss within the period allowed for proof of loss under A.R.S. 20-1351. The claimant is never trapped by the insurer's inaction — the statute substitutes the claimant's own written proof for the missing forms.
Why the other options are wrong
- A) The insurer's failure neither lapses the policy nor lifts the 60-day pre-suit waiting period under A.R.S. 20-1355.
- B) Waiting indefinitely would forfeit the claim; the statute gives the claimant an affirmative substitute remedy.
- D) Proof of loss is still required; only the use of the insurer's own forms is excused.
Memory hook
No forms? Send your own proof.