State RegulationsAZ specificDifficulty 2/5
After notice of a health claim, an insurer never sends the claim forms required by A.R.S. 20-1350. What remedy does the claimant have?
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
A.R.S. 20-1350 provides that if the insurer fails to furnish claim forms within 15 days after notice of claim, the claimant may send written proof of loss within the period allowed for proof of loss under A.R.S. 20-1351. The claimant's own written proof substitutes for the missing forms and keeps the claim alive.
Why the other options are wrong
- A) The claim does not fail; the statute gives the claimant an explicit substitute remedy.
- C) The immediate remedy is submitting proof of loss; the 60-day pre-suit wait under A.R.S. 20-1355 still applies to any lawsuit.
- D) The insurer's paperwork failure has no effect on the policy's status.
Memory hook
Insurer stalls on forms? Submit proof on your own.