State RegulationsAZ specificDifficulty 1/5
Under Arizona law, what right does an insurer have to physically examine an accident and health claimant?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
A.R.S. 20-1354 gives the insurer, as a condition of payment, the right to require physical examinations of the insured as often as reasonably required while a claim is pending, and to require an autopsy where not forbidden by law. This claims-investigation right belongs to the insurer, not the claimant, and it survives the filing of a written claim.
Why the other options are wrong
- A) Filing a written claim does not end the insurer's examination rights; A.R.S. 20-1354 makes examinations a condition that continues while the claim is pending.
- B) The claimant's advance written consent is not required; the statute itself grants the insurer the examination right as a condition of payment.
- D) The examination right under A.R.S. 20-1354 operates during pending claims, not merely at the underwriting stage before issuance.
Memory hook
Exams as often as reasonably required — the insurer's condition of payment.