State RegulationsNC specificDifficulty 1/5
Under a North Carolina individual accident and health policy, an insured suffers a covered loss. Within how many days after the date of loss must written proof of loss be submitted under G.S. 58-51-15(a)(7)?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under G.S. 58-51-15(a)(7), proof of loss is due within 180 days after the date of loss for most claims, and within 180 days after the end of the liability period for periodic-payment claims. If submitting on time is not reasonably possible, proof is accepted as soon as possible and in no event later than 1 year. North Carolina's 180-day rule deliberately departs from the shorter model-act figure.
Why the other options are wrong
- A) 90 days is the model-act proof-of-loss figure and is not the North Carolina statutory period, which is 180 days.
- C) 60 days is the waiting period before a legal action may be brought under G.S. 58-51-15(a)(11).
- D) 20 days is the written notice-of-claim window under G.S. 58-51-15(a)(5).
Memory hook
NC proof of loss: 180 days, not the model act's 90.