State RegulationsAZ specificDifficulty 1/5
Under A.R.S. 20-1355, what is the outer time limit for bringing legal action on an Arizona accident and health claim?
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Answer & full 3-part explanation (select an option above, or peek)
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.