State RegulationsMI specificDifficulty 1/5
A Michigan accident and health claimant has submitted proof of loss and is considering suing the insurer. Under Michigan law, how soon after furnishing proof of loss may legal action against the insurer begin?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
M.C.L. 500.3422 bars legal action for recovery under an accident and health policy before 60 days after proof of loss is furnished. The waiting period gives the insurer time to investigate and pay before litigation starts, and it runs alongside the 3-year outside limit on suits.
Why the other options are wrong
- A: Immediate suit is barred by the statutory waiting period following proof of loss.
- B: 15 days is the claim-form delivery period, not the suit waiting period.
- D: 90 days is the proof-of-loss deadline, not the waiting period before suit.
Memory hook
60 days of patience before the courtroom door opens.