Arizona Health Insurance Practice Exam

In Arizona, after an insured submits written proof of loss to an insurer, the law stipulates that the insured must wait 60 days before initiating legal action against the insurer regarding a claim. This timeframe allows the insurer adequate opportunity to evaluate the claim and respond appropriately.

The reason for this waiting period is to provide a structured timeframe that balances the interests of both the insured, who seeks timely resolution of their claims, and the insurer, which requires sufficient time to assess claims for verification and potential fraud prevention. It ensures that legal action is not pursued prematurely and allows for an amicable resolution before resorting to litigation.

This standard is part of Arizona's regulatory framework surrounding insurance claims and reflects a broader policy goal of promoting fair and efficient claims handling within the insurance industry.