State RegulationsMI specificDifficulty 2/5
A claimant submits proof of loss on a Michigan life claim, and the insurer considers the submission incomplete. Within how many days must the insurer specify to the claimant what constitutes satisfactory proof of loss?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
M.C.L. 500.2006 requires the insurer, when it deems submitted proof unsatisfactory, to specify what constitutes satisfactory proof within 30 days. This prevents insurers from sitting silently on deficient submissions while the claim ages; the specification duty starts the clock on a fair process. Only once satisfactory proof of loss is actually filed does the separate 60-day interest period of M.C.L. 500.2006 begin to run.
Why the other options are wrong
- A) No 10-day specification deadline appears in the claims provisions of M.C.L. 500.2006.
- B) The 15-day period in M.C.L. 500.3413 governs furnishing claim forms after notice of claim, not specifying satisfactory proof.
- D) 60 days is when 12% interest begins accruing after satisfactory proof of loss under M.C.L. 500.2006, not the deadline to specify proof defects.
Memory hook
30 days to say what you still need — then the 60-day interest clock waits for real proof.