Question

Dr. Jones' current occurrence malpractice policy is in effect from July 1, 2005 through July 1, 2006. Which lawsuit would trigger this malpractice insurance policy?

Option 1: Lawsuit filed on June 30, 2006
Option 2: Lawsuit filed on July 2, 2006
Option 3: Lawsuit alleging an incident on July 1, 2006
Option 4: Lawsuit alleging an incident on June 30, 2005

Answer 1

The occurrence malpractice insurance policy in question would cover a lawsuit alleging an incident that occurred on July 1, 2006, as it falls within the active policy period from July 1, 2005, to July 1, 2006.

Step-by-step explanation:

The lawsuit that would trigger Dr. Jones' current occurrence malpractice insurance policy would be the one related to an event that occurred within the policy period, which is from July 1, 2005, through July 1, 2006.

Given the options presented, the lawsuit that coincides with the policy's coverage dates would be Option 3: Lawsuit alleging an incident on July 1, 2006. This is because occurrence policies cover claims for incidents that happened during the period the policy was in effect, regardless of when the claim is filed.

Therefore, even if a lawsuit is filed after the policy period ends, as long as the alleged incident took place during the time the policy was active, the policy would be triggered.