State RegulationsAZ specificDifficulty 3/5
A producer reviewing a Phoenix claim file hears a colleague insist that Arizona law allows 180 days to file proof of loss on an accident and health claim. Under A.R.S. 20-1351, what is the correct Arizona rule?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
A.R.S. 20-1351 fixes Arizona's proof-of-loss deadline at 90 days after the loss (or after the end of the insurer's liability period for periodic claims). The 180-day figure belongs to other jurisdictions' model rules and is a common distractor; it has no place in an Arizona analysis, where the statutory deadline is firm.
Why the other options are wrong
- A) Sixty days is the legal-action waiting period after proof of loss under A.R.S. 20-1355, not the proof-of-loss filing window.
- C) Fifteen days is the insurer's deadline to furnish claim forms under A.R.S. 20-1350, not the claimant's deadline to file proof.
- D) A.R.S. 20-1351 imposes a firm 90-day deadline; proof of loss is not open-ended until litigation begins.
Memory hook
Arizona says ninety — the 180 belongs somewhere else.