Regarding Date of Loss, which statement is true?

• A. The date the claim was opened.
• B. The date the policy was issued.
• C. The date the damage occurred and cannot be changed once entered.
• D. The date the vehicle was repaired.

Answer: (C)

Date of Loss is the date the damage happened to the vehicle. This date anchors the claim to the actual incident, which affects coverage timing, eligibility, and processing. Once this date is entered, it’s kept fixed to preserve the integrity of the claim timeline. The date a claim is opened merely marks when the claim was started, not when the incident occurred. The policy issue date relates to when the policy began, not the incident date. The date of repair is when the repair occurs, which can be after the loss date, and does not define when the loss happened.