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.