State RegulationsGA specificDifficulty 3/5
An insured submits written proof of loss on an individual accident and sickness policy in Georgia. Which statement correctly describes when the insured may sue the insurer?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
Under O.C.G.A. § 33-29-3(b)(11), no action may be brought before 60 days after written proof of loss has been filed, and no action may be brought after three years from the time proof of loss is required. The waiting period gives the insurer a final opportunity to pay the claim without litigation.
Why the other options are wrong
- B) The statute imposes a 60-day waiting period after proof of loss — the insured cannot sue immediately on denial — and the outer limit is three years, not one.
- C) The waiting period is 60 days, not 90, and the outer limit is three years, not five.
- D) The two-year figure belongs to the incontestability and preexisting-condition rules, not the legal-actions window, and a 60-day waiting period does apply.
Memory hook
Wait 60, sue within 3 years — that's the legal-actions clock.