State RegulationsAZ specificDifficulty 1/5
Frustrated by a slow health claim, an insured who filed written proof of loss wants to sue right away. Under A.R.S. 20-1355, how long must the insured wait before bringing legal action?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
A.R.S. 20-1355 prohibits bringing legal action for recovery under an individual health policy until 60 days after written proof of loss was filed. The waiting period gives the insurer a reasonable window to pay or deny the claim, and any earlier suit is premature and barred by the statute.
Why the other options are wrong
- A) Suing immediately upon filing proof violates the statutory waiting period.
- B) 20 days is the notice-of-claim deadline under A.R.S. 20-1349, not the pre-suit waiting period.
- D) 90 days is the proof-of-loss period under A.R.S. 20-1351, not the pre-suit waiting period.
Memory hook
Proof filed, then sixty quiet days.