State RegulationsAZ specificDifficulty 1/5
Under A.R.S. 20-1355, how soon after an insured files written proof of loss may the insured bring legal action for recovery under an individual health policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
A.R.S. 20-1355 bars any legal action for recovery under an individual health policy before 60 days have elapsed after written proof of loss was filed. The waiting period gives the insurer a fair chance to pay or deny the claim before litigation begins, and a suit filed earlier is premature.
Why the other options are wrong
- A) An immediate suit violates the statutory waiting period.
- B) 20 days is the notice-of-claim figure under A.R.S. 20-1349, not the pre-suit wait.
- D) 90 days is the proof-of-loss deadline under A.R.S. 20-1351, not the pre-suit wait.
Memory hook
File proof, wait 60, then sue.