What is the minimum waiting period before filing a lawsuit after submitting a claim?

In the context of insurance claims, the minimum waiting period before filing a lawsuit after submitting a claim is specifically designed to give the insurer adequate time to process the claim and respond to it. In Washington, the law requires a 60-day waiting period. This allows both the insured party and the insurer an opportunity to gather information, resolve potential disputes amicably, and negotiate or clarify any outstanding issues.

If a claim is submitted and the insured does not receive an adequate response or resolution within this timeframe, they may then take legal action. This provision is essential for ensuring that both parties have fulfilled their responsibilities and have given themselves a fair chance to resolve the matter without resorting to litigation, which can be time-consuming and costly.

The other options reflect waiting periods that exceed the established minimum in Washington law, making them less applicable. Therefore, 60 days is the minimum standard that ensures both parties have a fair chance to address the claim before legal proceedings are initiated.