What does Date of Loss refer to in an insurance claim?

• A. The date the damage occurred.
• B. The date the claim was filed.
• C. The date the policy was issued.
• D. The date the vehicle was repaired.

Answer: (A)

Date of Loss is the actual date the damage or incident occurred. This date matters because it determines whether the event happened while the policy was in effect and within its terms. It’s not the date you filed the claim, not when the policy was issued, and not the date repairs began or finished. For example, if the damage happened on a specific day and you file the claim later, that earlier date is what’s used to assess coverage—provided it falls within the policy period and any applicable terms.