State RegulationsAZ specificDifficulty 3/5
An insured in Scottsdale has filed written proof of loss on an accident and health claim and wants to sue the insurer. Under A.R.S. 20-1355, which course of action complies with Arizona law?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
A.R.S. 20-1355 creates a window for A&H litigation: no action before 60 days after written proof of loss is filed, and no action after 2 years from the time proof was required to be given. The compliant strategy is to wait out the 60-day period and file well inside the 2-year outer limit.
Why the other options are wrong
- A) A suit filed 20 days after proof of loss is premature; notice of intent does not shorten the mandatory 60-day waiting period in A.R.S. 20-1355.
- C) The 90-day figure is the proof-of-loss window under A.R.S. 20-1351; it neither shortens the 60-day waiting period nor defines the suit deadline.
- D) Three years from the loss matches no part of A.R.S. 20-1355; the outer limit is 2 years from the time proof was required to be given.
Memory hook
Sue after 60, before 2 years — the Arizona suit window.