State RegulationsAZ specificDifficulty 3/5
An Arizona producer is explaining accident and health claim mechanics to a client. Which pairing of duty and deadline is correct under Arizona law?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
Under A.R.S. 20-1349, written notice of claim is due within 20 days of the occurrence or commencement of loss (or as soon as reasonably possible), and under A.R.S. 20-1350 the insurer must furnish claim forms within 15 days after notice. Arizona candidates must keep these two deadlines distinct: the insured notifies within 20 days, and the insurer answers with forms within 15 days.
Why the other options are wrong
- A) This reverses and misstates both figures; 15 days belongs to the insurer's claim-forms duty under A.R.S. 20-1350, and 90 days is the proof-of-loss window under A.R.S. 20-1351.
- B) Ninety days is the proof-of-loss deadline under A.R.S. 20-1351, not the notice deadline, and 20 days is the notice deadline, not the forms deadline.
- C) Forty-five days is the conditional-receipt reinstatement date under A.R.S. 20-1348 and 60 days is the legal-action waiting period under A.R.S. 20-1355; neither pairs with a claims duty this way.
Memory hook
Notice in twenty, forms in fifteen — the insured starts, the insurer answers.