What is a reasonable period of time for an insured to submit an insurance claim?
In West Virginia, the reasonable amount of time for an insured to submit an insurance claim varies depending on the type of policy. Generally, claims must be submitted within two years of the date an injury occurs or property damage occurs. However, for health care insurance policies the period may be shorter. Insureds have a duty to act in good faith and submit a claim within a reasonable time, even if it is before the two-year period. In addition, for some policies insurers may require that insureds comply with certain reporting or notification obligations. These may specify a period for submitting an insurance claim, which could be shorter than the two-year limit. The insured must follow the terms of the policy to be eligible for coverage. Finally, if an insured fails to submit a claim within a reasonable period, it could be denied as untimely. If an insured’s claim is denied because it was not filed in a timely manner, the insured should contact the insurance company for further information. In summary, for most policies in West Virginia, an insured must submit an insurance claim within two years of the date of injury or property damage. However, health care policies may have a shorter period. In any event, insured should be aware of and comply with any reporting or notification requirements in the policy in order to avoid a denial of a late claim.
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