What happens if a claim is filed under the wrong policy type for an incident that occurred prior to the policy period?

When a claim is filed under the wrong policy type for an incident that occurred prior to the policy period, it typically will not be covered. This is due to the fact that insurance policies are designed to protect against specific risks or events that occur within a defined policy period. If the incident happened before the policy began, the insurer has no obligation to provide coverage because the risk was not assumed under the terms of the policy in effect at the time of the incident.

Additionally, filing a claim under an incorrect policy type means that the claims adjuster would assess the situation based on the coverage details of that specific policy. If the policy does not include coverage for the specific type of loss or incident, or if the incident falls outside the policy period, the insurer will deny the claim. Therefore, filing incorrectly can lead to a complete lack of coverage for the event in question.