Điều khoản hợp đồng A&HCâu 513 / 716
The mandatory 'legal actions' provision prevents an insured from bringing a lawsuit against the insurer until:
a.A stated time (often 60 days) after proof of loss has been filed, and bars suits brought after an outer limit such as three years
b.One day after filing any claim
c.The moment the policy is issued
d.The insured has switched insurers and obtained a replacement policy elsewhere, which has nothing to do with the timing rules this provision sets for filing suit
Giải thích
The legal actions provision sets a window for lawsuits: the insured cannot sue for at least a stated period (commonly 60 days) after submitting proof of loss, giving the insurer time to pay, and cannot sue after an outer limit (often three years) from when proof was due. It is not tied to policy issuance, a one-day wait, or changing insurers. This provision gives the insurer a fair chance to settle before litigation and sets a deadline for claims disputes.
Luyện miễn phí toàn bộ 716 câu hỏi — không cần đăng ký.
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Câu hỏi liên quan cùng chủ đề
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- Under the misstatement of age provision in a health policy, if the insured's age was understated on the application, the benefits are:
- A 'probationary period' in a health insurance policy is:
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Đội ngũ PrepPass · Đối chiếu với California Life & Health Insurance License Exam · Quy trình kiểm tra
Người kiểm duyệt John Zihao Zhang — California-Licensed Life Insurance Agent (CA Dept. of Insurance License #4396095 — kiểm tra)