State RegulationsMI specificDifficulty 2/5
A Michigan accident and health claimant furnished proof of loss and the insurer disputed the claim. Under M.C.L. 500.3422, beyond what point may no legal action be brought against the insurer?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
M.C.L. 500.3422 sets the outside limit for legal action on an accident and health policy at 3 years from the time proof of loss is required by the policy — not from the date of the loss. After that point the courtroom door closes, no matter when the loss occurred.
Why the other options are wrong
- B: The 3-year clock runs from when proof of loss was required, not from the loss date.
- C: 1 year is the backstop for late proof of loss, not the limitations period for lawsuits.
- D: 6 months is the Medicare supplement preexisting-condition look-back figure, not the legal-action limit.
Memory hook
3 years from the proof deadline — then the door closes.