New York Life, Accident, and Health Practice Test

The correct answer reflects the typical requirement outlined in many insurance policies, which stipulates that an insured must notify the insurer of a medical claim within a specified time frame after an accident has occurred. In this context, it is common for policies to require notification within 20 days. This timeframe ensures that the insurer can promptly investigate the claim, gather necessary information, and facilitate any required medical care without unnecessary delays.

Policies often provide a grace period for notification to account for the various circumstances that might impede timely reporting, such as the severity of injuries or the complexity of the situation post-accident. Adhering to these notification requirements is crucial for the insured, as failure to notify within the specified time may impact the claim's validity or coverage.

This standard helps maintain a responsive insurance system and preserves the interests of both the insured and the insurer. In this case, 20 days is recognized as a reasonable and standard period across various insurance frameworks, allowing sufficient time for the insured to handle immediate concerns following an incident.