What happens to the insured's claims if the policy was terminated before a claim is submitted?

When a policy is terminated, the treatment of any potential claims largely depends on the premium payment status and the terms of the policy itself. If the policy is terminated but the insured has paid premiums up to the termination date, claims that occur during the covered period are generally considered valid.

In this case, any claims arising from incidents that occurred while the policy was in effect would still be honored, as the insured had maintained coverage through premium payment until the termination. The insurer is obligated to process claims for events that happened during the active coverage, as long as the claim is submitted in accordance with the policy's requirements.

If a claim is submitted after the policy has been terminated, even for events that took place prior to termination, there may be complications depending on the specific conditions outlined in the policy documentation. However, the crucial point here is that any incidents that occurred while the policy was active and premiums were paid remain eligible for claims processing.