Every insurance policy requires that you give notice of your claim for benefits to the company before benefits can be paid. It doesn’t matter if the claim is for medical services, disability benefits, life insurance, fire, flood, theft, etc. Obviously, notice and information about your claim is necessary before the insurance conpany can process and pay the claim. Policies also usually require that notice of a claim be given within a specified time period following the loss, for example, “30 days,” or “as soon as practicable,” or “as soon as reasonably possible,” etc. Again, this is fair because evidence related to the claim is fresh, and most readily available nearer the time of the event.
But, what happens if you can’t, or don’t comply with the policy notice requirement? What happens if don’t give notice until months, or even years after your claim accrued?