What is the maximum timeframe for medical expenses to be covered under CGL C?

In the context of a Commercial General Liability (CGL) policy, coverage for medical expenses is typically governed by specific timeframes that dictate how long after the accident these expenses can be claimed. The maximum timeframe for medical expenses to be covered under CGL coverage is indeed one year from the date of the accident.

This timeframe is significant because it provides a clear deadline for claimants to report medical expenses related to the accident. Coverage is meant to address immediate medical needs resulting from bodily injury, and allowing a year ensures that individuals have adequate time to assess their expenses and seek necessary treatment without the pressure of an overly restrictive timeline.

The choice reflecting six months does not provide sufficient time for claimants, while basing coverage solely on ongoing legal proceedings does not align with the intent of the CGL policy, which focuses on swift resolution of medical expenses regardless of litigation status. Thus, one year serves as a fair and reasonable period facilitating timely claims while maintaining policyholder protections.