Question

D, the beneficiary under her husband's AD&D policy, submits an accidental death claim on May 1, 2010 following his death. However, the company denies the claim on the basis that death was due to natural causes. She decides to talk to her attorney. What is the earliest date for taking legal action against the insurer? a) May 1, 2011 b) May 1, 2012 c) May 1, 2013 d) May 1, 2014

Answer 1

Depending on the insurance contract, local laws, and the statute of limitations, the earliest date for legal actions can vary, but commonly it's one year from the claim rejection.

Step-by-step explanation:

D, as the beneficiary of her husband's AD&D policy, has the opportunity to take legal action against the insurer following the rejection of her accidental death claim. However, precisely stating the earliest date for initiating legal action against the insurer can be challenging without further information. This is because the specific time frame can vary depending on the insurance contract, local laws, and the statute of limitations in place in her jurisdiction. The latter typically ranges from 1 to 6 years for contract-related issues. In case D's situation falls under a one-year limitation scenario which is a relatively common duration, the earliest would be May 1, 2011.

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