State RegulationsAZ specificDifficulty 1/5
An Arizona policyholder sues her insurer and serves the papers on the Director under A.R.S. 20-191. When is the defendant insurer first required to appear in the action?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
Under A.R.S. 20-191, when the Director receives service of process on an insurer, the defendant insurer need not appear in the action before 30 days after service. The built-in window accounts for the Director forwarding the papers to the insurer, so claimants should expect the insurer's appearance no earlier than that point.
Why the other options are wrong
- A) Wrong because the statutory window is longer than 10 days; the defendant need not appear before 30 days after service under A.R.S. 20-191.
- B) Wrong because 20 days is shorter than the statutory window; A.R.S. 20-191 fixes the appearance threshold at 30 days after service.
- D) Wrong because 60 days overstates the window; the defendant need not appear before 30 days, and may appear at that point.
Memory hook
Served through the Director? The insurer gets 30 days before showing up.