An insured MUST wait how many days to bring legal action against an insurer after written proof of loss has been received by the insurer?

The requirement for an insured to wait 60 days after written proof of loss has been received by the insurer is established in Arizona insurance law. This timeline is significant because it allows the insurer adequate time to process the claim, assess the information provided, and potentially respond to the claim before any legal action is initiated by the insured.

This 60-day waiting period ensures that both parties have the opportunity to resolve the matter amicably without immediately resorting to litigation, which can be time-consuming and costly. The law is structured to encourage communication and negotiation in the claims process, fostering a more efficient resolution for both the insurer and the insured.

In contrast, shorter or longer waiting periods would not align with the legislative intent to facilitate claims handling and ensure that insurers have a reasonable opportunity to address claims before disputes escalate to legal actions. Therefore, the 60-day rule plays a crucial role in maintaining a balanced insurance claims process in Arizona.