Insurance Coverage For Past Injury After Canceling A Policy

[RTS1234]

My question involves insurance law for the state of: California

The injury involves a minor on my property. Under state law, the statute of limitations for filing a personal injury claim could be tolled beyond the normal 2 years until the minor is 18. What if I'm no longer insured by this insurance company? Will they still be liable for the claim since my policy was in good standing at the time of the incident? I've filed the paperwork with the insurance company regarding this incident but the injured may/may not make a claim depending on if/when there's a future medical problem. I'm hesitant to ask my insurance company this question. Is it somewhere in the boilerplate of the insurance policy? Is there a special term for this that can help me in my research?

[LawResearcherMissy]

I'm hesitant to ask my insurance company this question.

It's who you should be asking, though.

I've not been able to find anything that states either way who is responsible past the usual SOL. Since your insurance company is already aware of the incident, they really are the people you should be talking to.

[aaron]

Homeowner's policies typically apply to any covered loss that occurs during the period the policy is in effect. As was indicated, your insurance company can clarify your coverage.