A Durham worker is injured in an accident and promptly gives the insurer written notice of claim. Under the North Carolina standard proof-of-loss provision, within how many days after the date of loss must written proof of loss generally be furnished?

Why A is correct

Under G.S. 58-51-15(a)(7), written proof of loss is due within 180 days after the date of loss for most claims (periodic-payment claims: 180 days after the end of the insurer's liability period). If furnishing proof on time is not reasonably possible, proof is accepted as soon as possible and never later than 1 year. North Carolina's 180-day figure is longer than the familiar model-law 90-day figure.

Why the other options are wrong

• B) The 90-day figure is the model-provision value; North Carolina requires 180 days under G.S. 58-51-15(a)(7).
• C) 60 days is the waiting period before a legal action may be brought under G.S. 58-51-15(a)(11), not the proof-of-loss deadline.
• D) 20 days is the deadline for written notice of claim under G.S. 58-51-15(a)(5), which is a separate and earlier step than proof of loss.

Memory hook

NC gives proof of loss a long leash: 180 days, double the model 90.

Why C is correct

G.S. 58-51-15(a)(7) requires written proof of loss within 180 days — for periodic-payment claims, 180 days after the end of the insurer's liability period, and for all other claims, 180 days after the date of loss. If submitting on time is not reasonably possible, late proof is accepted as soon as possible, but never later than 1 year. North Carolina deliberately departs from the model act's shorter window.

Why the other options are wrong

• A) 60 days is the waiting period before a legal action may be brought under G.S. 58-51-15(a)(11), not the proof deadline.
• B) 90 days is the model-provision figure that North Carolina rejected; the statutory window here is 180 days.
• D) 1 year is only the outside limit for late proof accepted when timely filing was not reasonably possible, not the standard deadline.

Memory hook

NC proof of loss: 180 days — double the model 90.