An insured suffers a covered loss but does not submit proof of loss within the standard period because he was hospitalized. Which statement correctly states Georgia's rule for individual A&S policies?

Why C is correct

Under O.C.G.A. § 33-29-3(b)(7), proof of loss is due within 90 days after the occurrence or commencement of any loss covered by the policy. The insurer must accept late proof if it was not reasonably possible to give it within 90 days, provided it is given as soon as reasonably possible — and in no event later than one year from the time proof is otherwise required.

Why the other options are wrong

• A) 60 days is the waiting period before a lawsuit under O.C.G.A. § 33-29-3(b)(11), and late proof can be accepted under the reasonableness exception.
• B) The 90-day figure is right, but a flat refusal ignores the statutory exception for proof that was not reasonably possible sooner.
• D) 45 days is the A&S reinstatement effective-date figure, not the proof-of-loss deadline.

Memory hook

90 to file, a year to beg forgiveness.