State RegulationsAZ specificDifficulty 2/5
An insurer handling a death claim under an Arizona accident and health policy decides to require an autopsy where not forbidden by law. Under A.R.S. 20-1354, who bears the cost of the autopsy?
Select an option to reveal the answer and the full 3-part explanation — free, no signup.
Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under A.R.S. 20-1354, the insurer may require physical examinations and autopsies at its own expense as a condition of resolving the claim. Arizona places the cost on the party exercising the right — the insurer — so no deduction from the proceeds and no reimbursement obligation shifts to the beneficiary or the estate.
Why the other options are wrong
- A) The statute places the expense on the insurer, not the estate; deducting the cost from proceeds would improperly reduce the payable benefits.
- C) A.R.S. 20-1354 assigns the cost to the insurer exercising the right; it does not shift the burden to a county.
- D) There is no beneficiary-pay-and-reimburse mechanism; the insurer bears the expense directly under A.R.S. 20-1354.
Memory hook
The insurer's right, the insurer's bill.