§ 1.11 Effective Date and Time of Coverage Inception

LibraryGuide to South Carolina Liability and Property Insurance Law (SCBar) (2019 Ed.)

§ 1.11 Effective Date and Time of Coverage Inception

Most policies specify the date and time that coverage under the policy incepts. For example, the Declarations for a commercial general liability policy may state:

Policy Period: From 11/23/2014 to 11/23/2015 at 12:01 A.M. Standard Time at your mailing address shown above.

A homeowner's policy may state, for example:

Policy Period: Beginning July 26, 2017 through July 26, 2018
at 12:01 a.m. standard time

The South Carolina Court of Appeals has stated...

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