In determining an insurer's liability, which factor is NOT considered?

In assessing an insurer's liability, the factor that is not considered is whether the claim was filed late. Generally, insurers are obligated to investigate and process claims based on the stipulations outlined in the insurance policy and applicable laws. Factors such as whether the policy was active, if there is a history of similar claims, and whether the type of damage is covered by the policy all directly impact an insurer's liability.

While timeliness of a claim filing can be important in certain circumstances—especially if there are statutory requirements or policy-specific deadlines that impact coverage—the fundamental determination of liability focuses more on the validity of the claim itself in relation to the terms of the policy. Essentially, if the coverage exists, the liability stands, irrespective of the timing of the claim submission, unless specific deadlines are stipulated in the policy that clearly invalidate the claim based on timeliness.