Under A.R.S. 20-1355, what is the outer time limit for bringing legal action on an Arizona accident and health claim?

Why A is correct

Under A.R.S. 20-1355, no legal action may be brought after 2 years from the time written proof of loss was required to be given by the policy. The clock runs from the proof-of-loss requirement, not from the loss itself, a denial letter, or the issue date — and the 3-year figure belongs to life-policy reinstatement in Arizona, not to A&H litigation.

Why the other options are wrong

• B) Three years is the life-policy reinstatement window under A.R.S. 20-1213; A.R.S. 20-1355 sets the A&H suit limit at 2 years from when proof was required.
• C) A.R.S. 20-1355 contains no denial-letter trigger; the limit runs from the time written proof of loss was required to be given.
• D) The 4-year figure matches a license renewal term, not the A&H legal-actions limit; the statute measures 2 years from the proof-of-loss requirement.

Memory hook

Two years from when proof was due — file or lose it.

Why D is correct

A.R.S. 20-1355 closes the courthouse door 2 years after the time written proof of loss was required by the policy. Miss that window and the claim can no longer be litigated, which is why the 60-day minimum wait and the 2-year outside limit operate as a paired window for bringing suit.

Why the other options are wrong

• A) 6 months is shorter than the statutory outer limit and has no basis in A.R.S. 20-1355.
• B) 1 year is not the Arizona legal-action limit for individual health claims.
• C) 3 years is the life policy reinstatement window under A.R.S. 20-1213, not the legal-action limit.

Memory hook

Sue within 2 years — after waiting 60 days.