Which of the following can result in a Coverage in Question (CIQ)?

The correct choice indicates that a Coverage in Question (CIQ) can arise when the loss date is either before the policy effective date or after the policy expiration date. This is significant because a policy's terms and coverage are only effective within its specified duration. If a loss occurs before the policy takes effect, there is no coverage available to apply to that loss. Conversely, if a loss occurs after the policy has expired, the insurance coverage is also no longer active, leading to potential disputes regarding claims.

The inclusion of both scenarios—loss before the policy starts and loss after the policy ends—captures the essence of what creates uncertainty regarding coverage eligibility, warranting the classification of a CIQ. This context is critical for understanding claim processing within insurance operations, as it helps to define the parameters of when a policy provides coverage and when it does not.

The other options fail to reflect both necessary conditions that lead to a CIQ. For instance, a scenario where the loss date is after the policy expiration but the policy remains active does not align with the fundamental definitions of policy coverage. Understanding these nuances is essential for anyone engaging with GuideWire ClaimCenter or similar systems.