State RegulationsNC specificDifficulty 1/5
After a covered accident, an insured under an individual accident and health policy in North Carolina must submit written proof of loss within how many days after the date of loss?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
G.S. 58-51-15(a)(7) requires written proof of loss within 180 days after the date of loss, or within 180 days after the end of the liability period for periodic-payment claims. If submitting proof was not reasonably possible, the insured may file as soon as reasonably possible and in no event later than 1 year. North Carolina's 180-day period is a deliberate departure from the NAIC-model figure, which appears in this question only as a distractor.
Why the other options are wrong
- A) Ninety days is the NAIC-model proof-of-loss period and is wrong here; North Carolina requires 180 days under G.S. 58-51-15(a)(7).
- B) Twenty days is the notice-of-claim deadline under G.S. 58-51-15(a)(5), a separate and earlier step than proof of loss.
- D) Thirty-one days is the grace period for non-monthly A&H premium modes under G.S. 58-51-15(a)(3), not the proof-of-loss deadline.
Memory hook
Notice in 20, proof in 180 — NC doubles the NAIC model.