If the Proof of Loss is submitted after the deadline, what is the insurer's position?

• A. The insurer must accept it
• B. The insurer will automatically pay the claim
• C. The insurer will request more information
• D. The insurer is not required to accept it

Answer: (D)

Time limits for proof of loss are a standard condition in many insurance contracts. The insured must provide documentation of the loss within a specified period after it occurs. If that proof is filed after the deadline, the insurer is not required to accept it because the contract grants a defense based on late filing. In other words, timely submission is a prerequisite for the claim to be eligible for consideration; late submission gives the insurer a basis to deny or delay payment unless the deadline is waived or extended by the insurer or the policy allows an excusable delay. So the usual position is that the insurer is not obligated to accept a late proof of loss.