State RegulationsMI specificDifficulty 1/5
Under Michigan law, within how many days of a covered loss must written notice of claim be given to the insurer under an individual accident and health policy?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.C.L. 500.3412 requires written notice of claim within 20 days after a covered loss, or as soon as reasonably possible. This notice starts the statutory claim machinery, which continues with the insurer furnishing claim forms and the insured supplying proof of loss.
Why the other options are wrong
- B: 15 days is the period for the insurer to furnish claim forms after notice of claim.
- C: 90 days is the proof-of-loss deadline, a later step in the claim process.
- D: 45 days is the clean-claim payment period under the timely-claims provisions, not the notice deadline.
Memory hook
Notice in 20 — forms in 15, proof in 90.