State RegulationsAZ specificDifficulty 3/5
An insured files written proof of loss on an Arizona individual health claim and sues the insurer 20 days later. In a separate case, another insured sues 3 years after written proof of loss was required. Under A.R.S. 20-1355, what happens?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
A.R.S. 20-1355 imposes both boundaries on legal action: no action before 60 days after written proof of loss, and no action after 2 years from the time proof was required. The first insured sued at 20 days — prematurely — and the second sued after the 2-year limit expired, so each suit violates one end of the statutory 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 wait ended.
- D) Each suit violates a distinct statutory boundary, so both fail under A.R.S. 20-1355.
Memory hook
Too early or too late — both lose.