R590-191-6. Notice and Proof of Loss

(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. (b) A notice of loss may be given to an insurer or an authorized agent. (c) A notice of loss requirement may be waived by an authorized agent. (d) The general business practice of an insurer when accepting a notice of loss shall be consistent for all policyholders. (e) Within 15 days of receiving a notice of loss from a claimant, an insurer shall provide necessary claim forms, instructions, and reasonable assistance so the claimant can properly comply with the insurer's requirements for filing a claim. (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. (b) A proof of loss requirement may not be unreasonable and shall consider the circumstances surrounding a given claim.