State RegulationsOH specificDifficulty 2/5
A claimant in Cleveland gives her insurer notice of a claim, but the insurer never sends proof-of-loss forms. Under Ohio law, what must the insurer do and what may the claimant do?
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Answer & full 3-part explanation (select an option above, or peek)
Why C is correct
ORC 3923.04(F) requires the insurer, upon receipt of a notice of claim, to furnish the claimant proof-of-loss forms within 15 days. If it fails to do so, the claimant satisfies the proof-of-loss requirement by submitting written proof of the occurrence, character, and extent of the loss — the insurer's omission cannot stall the claim.
Why the other options are wrong
- A) Wrong because ORC 3923.04(F) places the duty to furnish forms on the insurer within 15 days; the claimant's fallback proof rights exist precisely because of that duty.
- B) Wrong because the form-furnishing duty is a statutory requirement, not an optional courtesy.
- D) Wrong because the statutory period is 15 days, not 60, and a late insurer does not suspend the claim — it triggers the claimant's written-proof alternative.
Memory hook
No forms in 15 days? Write your own proof.