State RegulationsAZ specificDifficulty 2/5
An insured files written proof of loss on an Arizona health claim and sues the insurer 45 days later. A second insured sues 3 years after written proof of loss was required. Under A.R.S. 20-1355, which suit may proceed?
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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 before 60 days after written proof of loss, and none may be brought after 2 years from the time proof was required. The first insured sued at 45 days — before the waiting period ended — and the second sued after the 2-year outside limit expired, so both suits are barred, one at each end of the window.
Why the other options are wrong
- B) The second suit is also barred because it came after the 2-year cutoff.
- C) The first suit is also barred because it came before the 60-day waiting period ended.
- D) Each suit violates a distinct statutory boundary under A.R.S. 20-1355, so both fail.
Memory hook
The 60/2 window: enter too soon or too late and the door stays shut.