State RegulationsAZ specificDifficulty 2/5
Under A.R.S. 20-1355, the 2-year outside limit on legal action under an individual health policy runs from which event?
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Answer & full 3-part explanation (select an option above, or peek)
Why D is correct
A.R.S. 20-1355 measures the 2-year legal-action limit from the time written proof of loss was required by the policy, not from issue or loss date. Anchoring the clock to the proof requirement ties the suit window to the point the insurer's claim obligation crystallized, which is when the parties' dispute becomes ripe for court.
Why the other options are wrong
- A) The policy issue date drives the time limit on defenses under A.R.S. 20-1346, not the suit deadline.
- B) The loss date starts the 90-day proof-of-loss clock under A.R.S. 20-1351, not the 2-year suit limit.
- C) A denial letter has no statutory role in starting the A.R.S. 20-1355 clock.
Memory hook
Two years from proof-required, no more.