California Life-Only & Accident and Health AgentCalifornia Law - Life and Accident & HealthMedium
A California resident is diagnosed with a severe illness and needs to file a claim under their Accident and Health policy. According to California law, within how many days must the insurer typically provide claim forms to the insured after receiving a notice of claim?
- A30 days
- B5 days
- C15 days
- D10 days
Show answer & explanationAnswer & explanation
Correct answer: C. 15 days
Under California law, if the insurer requires a written proof of loss, they must furnish the necessary forms to the insured within 15 days after receiving notice of claim.
Why the other options are wrong
- A. 30 days is typically the timeframe for paying claims after receiving proof of loss, not furnishing forms.
- B. 5 days is too short; common for acknowledging receipt of claim, not furnishing forms.
- D. 10 days is too short; not the standard for furnishing claim forms.
Claim Forms Furnishing (A&H)
The requirement for an insurer to provide necessary claim forms to an insured within a specific timeframe after receiving notice of a claim.
- 15 days in California after notice of claim.
- Applies if the insurer requires written proof of loss.
- Failure to provide forms does not relieve the insured of the requirement to provide proof of loss.
Memory trick: Claim forms are like '15' urgent messages, needing quick delivery to start the healing process.