An accident and health insurer has just received written proof of loss from one of its insureds. The insured must now wait 60 days before:

The correct answer indicates that after an insurer receives written proof of loss from an insured, the insured must wait 60 days before bringing legal action against the insurer. This time frame is significant because it allows the insurer a reasonable period to process the claim and make a determination regarding the payment of benefits.

This waiting period is often outlined in policy provisions to ensure that the insurer has the opportunity to investigate the claim thoroughly and respond accordingly. This is rooted in the principle of fairness, giving both the insurer and the insured a chance to resolve any issues before legal action is pursued.

In contrast, the other options do not carry the same requirement or formal waiting period after proof of loss is submitted. For example, filing another claim or appealing a claim denial typically does not necessitate a mandatory waiting period of 60 days as the claims process and internal appeals can often continue concurrently. Additionally, replacing an insurance policy is generally not bound by such an obligation related to the submission of proof of loss. Therefore, the 60-day waiting period specifically applies to the act of bringing legal action, making it the correct choice.