An insured in Columbus, Georgia was hospitalized and missed the standard deadline for filing proof of loss under her individual accident and sickness policy. It was not reasonably possible to file on time. Under Georgia law, what is the latest point at which proof of loss will still be accepted?

Why D is correct

Under O.C.G.A. § 33-29-3(b)(7), proof of loss is due within 90 days of the loss. Late proof is accepted if it was not reasonably possible to furnish it on time, but never later than one year from the time proof is otherwise required. The insurer cannot reject proof solely because it arrived after the 90-day deadline when it falls within that one-year window.

Why the other options are wrong

• A) 30 days is not the outer limit for accepting late proof of loss in Georgia.
• B) 60 days governs the earliest date for legal actions after proof of loss, not late-proof acceptance.
• C) 90 days is the standard deadline, but the statute expressly allows late proof up to one year when timely filing was not reasonably possible.

Memory hook

90 days to file; a full year's grace when life gets in the way.