State RegulationsOH specificDifficulty 2/5
An insured in Cincinnati furnished written proof of loss, waited out the required pre-suit period, and is now deciding whether to sue. What is the latest an action may be commenced under the Ohio legal-actions provision?
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Answer & full 3-part explanation (select an option above, or peek)
Why A is correct
ORC 3923.04(K) closes the legal-actions provision with a filing deadline: no action may be brought after 3 years from the time written proof of loss is required to be furnished by the policy. The clock runs from the proof-required date, not from the loss itself or from any denial letter.
Why the other options are wrong
- B) Wrong because the 3-year limit in ORC 3923.04(K) runs from the time written proof is required, not 2 years from the loss date.
- C) Wrong because the statutory deadline does not key off the insurer's denial; it runs from the proof-required date.
- D) Wrong because ORC 3923.04(K) fixes an absolute 3-year outside limit; the claim does not stay alive indefinitely.
Memory hook
Suit window: 3 years from the proof-required date.