What does it indicate if a policy's loss date is after its expiration date?

If a policy's loss date occurs after its expiration date, it typically raises concerns regarding the validity and coverage of that policy at the time the loss occurred. This scenario could indicate that the loss happened when the policy was not in effect, thus potentially leading to a Coverage in Question (CIQ) status.

When a loss date is beyond the expiration date, it prompts a review to determine whether the claim can still be honored. Since the policy was expired at the time of loss, it implies that the insured may not have been covered for the incident in question. This is why CIQ status is triggered—indicating that there are questions surrounding the coverage applicable to the claim.

The other responses suggest outcomes that do not align as closely with the implications of the loss date versus expiration date. Maintaining an active status or reactivating the policy doesn't reflect the realities of expired coverage. Similarly, an automatic denial of the claim is not a definitive outcome, as claims might still be evaluated even if they fall into a CIQ category. The focus on the CIQ status highlights the complexity and need for assessment rather than an immediate resolution.