How long does an insured have to submit medical payment claims under the homeowner medical payments coverage?

Under homeowner's insurance policies, medical payments coverage typically provides a specified period within which an insured must submit claims for medical expenses arising from bodily injury sustained on the insured property. In many jurisdictions, including New York, the period for submitting these claims is three years from the date of the accident or injury. This aligns with general principles regarding the time frame allowed for filing claims and reflects a balance between giving the insured enough time to gather necessary documentation while also providing a reasonable limit.

It is important to understand that while certain claims or procedures might have different time limits dictated by specific policy terms or state laws, the three-year period is a common standard that applies to medical payments claims within homeowner's insurance policies. Therefore, selecting three years captures the common practice regarding the submission of these claims.