Can Occupational Accident Insurance Provide Retroactive Coverage?

Experiencing an accident or a major event and realizing that you don’t have insurance coverage for that event can be distressing. At Choice One Insurance Inc. in Portland, OR, we strive to ensure that our clients have all the coverage they need ahead of a potential accident or other problem. However, life is unpredictable; sometimes, we don’t know what we will need until we need it. If you’re facing a situation where you need occupational accident insurance but don’t have it until, after the fact, you might be wondering if you could get a policy that provides retroactive coverage. While we can’t provide specific answers to that question, we can give you some general ideas of what to expect if you try to get coverage retroactively.

Can Occupational Accident Insurance Provide Retroactive Coverage?

The short answer is, maybe. Every insurance policy is different, so there is a possibility that there might be an occupational accident insurance policy that covers retroactive expenses. Practically speaking, most insurance policies don’t provide retroactive coverage. The best way to find out if you could get retroactive occupational insurance coverage is by speaking with one of our qualified insurance professionals about your situation.

If you can’t get retroactive coverage, it’s not too late to pivot and get coverage for future occupational accident-related issues. Although we can’t change the past, we can do better in the future. Although it is difficult to deal with the consequences of not having insurance, it’s a good wake-up call that shows the importance of having coverage before you need it.

For more information, call our Choice One Insurance Inc. office in Portland, OR, today!