State RegulationsAZ specificDifficulty 2/5
An insured in Tucson is incapacitated after an accident and cannot give notice of claim within 20 days. She provides written notice as soon as she is reasonably able to do so. Under A.R.S. 20-1349, what is the result?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
A.R.S. 20-1349 allows written notice of claim to be given as soon as reasonably possible where the 20-day window cannot be met. Incapacity is the classic reasonable-cause situation, so notice given at the first opportunity satisfies the statute and the Tucson claimant's claim must be processed on its merits rather than forfeited.
Why the other options are wrong
- A) Automatic forfeiture ignores the as-soon-as-reasonably-possible language of A.R.S. 20-1349.
- B) The insurer does not receive unfettered discretion; the statutory standard is reasonable possibility, not insurer whim.
- D) No 45-day incapacity extension appears in Arizona's notice-of-claim statute.
Memory hook
20 days — or as soon as life lets you.