1. (1)(a) A notice of loss to an insurer, if required, is considered timely if made according to the terms of the policy, this rule, and Section 31A-21-312.

   1. (b) A notice of loss may be given to an insurer or an authorized agent.
   2. (c) A notice of loss requirement may be waived by an authorized agent.
   3. (d) The general business practice of an insurer when accepting a notice of loss shall be consistent for all policyholders.

2. (2)(a) A proof of loss to an insurer is considered timely if made according to the terms of the policy, this rule, and Section 31A-21-312.

   1. (b) A proof of loss requirement may not be unreasonable and shall consider the circumstances surrounding a given claim.

KEY: insurance law

Date of Last Change: October 29, 2025

Notice of Continuation: June 10, 2024

Authorizing, and Implemented or Interpreted Law: 31A-1-301; 31A-2-201; 31A-2-204; 31A-2-308; 31A-21-312; 31A-26-303