State RegulationsGA specificDifficulty 3/5
A policyholder submits written proof of loss on an individual A&S policy in Georgia and immediately files a lawsuit for the benefits. Separately, another claimant waits several years after proof was required before suing. Which statement correctly states the legal-actions provision?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
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 at law or in equity may be brought to recover on an individual A&S policy before 60 days after written proof of loss has been furnished, and no action may be brought after three years from the time written proof of loss is required. The 60-day window gives the insurer time to pay; the three-year limit is the outside bar.
Why the other options are wrong
- B) Both figures are wrong: the waiting period is 60 days and the outside limit is three years.
- C) A written denial does not remove the statutory waiting period; the suit still cannot be filed until 60 days after proof of loss.
- D) Neither 90 days nor five years is Georgia's figure for the legal-actions provision.
Memory hook
Wait 60, sue by 3.