Under Georgia's standard provisions for individual accident and sickness policies, within how many days after the occurrence or commencement of a loss must written notice of claim be given?

Why A is correct

Under O.C.G.A. § 33-29-3(b)(5), written notice of claim must be given within 20 days after the occurrence or commencement of any loss covered by the policy, or as soon thereafter as is reasonably possible. Timely notice starts the claims process and triggers the insurer's duty to furnish claim forms within 10 working days.

Why the other options are wrong

• B) 10 days is not the notice deadline; it is the period, in working days, the insurer has to furnish claim forms after notice under O.C.G.A. § 33-29-3(b)(6).
• C) 30 days is the A&S grace period figure for non-monthly modes, not the notice-of-claim deadline.
• D) 45 days relates to the A&S reinstatement effective date under O.C.G.A. § 33-29-3(b)(4), not to notice of claim.

Memory hook

Notice in 20 — say it quick.