Sixty days is a common deadline in insurance policies before a person can lose benefits for failing to submit the form and records the insurer demands. The phrase comes from older insurance practice, when companies required a sworn written statement as "proof" that a covered loss actually happened and what it cost. That old paperwork idea still shows up today in modern claims, even when the injury happened in a Boise crash, a store incident in Nampa, or a dog bite claim involving medical payments coverage or uninsured/underinsured motorist coverage.

In practical terms, a proof of loss is not just notice that you were hurt. It is a more formal package: dates, bills, treatment records, wage information, and sometimes a signed statement. An adjuster may ask for it early, especially on first-party claims made under your own policy. If the insurer says your claim is "incomplete," this is often what they mean.

In Idaho, the exact deadline comes from the policy language, not one single statewide rule for every injury claim. Missing that deadline can give the insurer an argument to delay or deny benefits, even if the underlying injury is real. It also differs from the separate lawsuit deadline for a personal injury case, which is generally two years under Idaho law. A proof of loss request should be read carefully, because signing or submitting it can affect both coverage and the value of the claim.