Reviewed by Sep 30, 2020| Updated on
In insurance, a manifestation trigger is a crucial concept since it determines the incident discovery date as the date for coverage. It does not set the date of incident discovery based on when the incident might have actually occurred.
When it comes to insurance claims, mostly it is argued that the insurance coverage must be applicable as soon as damage first occurred, irrespective of when it was discovered.
Often, the problem is that the homeowners are only able to speculate about when the damage might have occurred first, but they cannot confirm on the exact time of when the damage happened.
This further gets complicated since people change policies, and it is possible that new insurance policy might have been taken out between when an event occurred and when it was actually discovered.
The other types of insurance triggers include a continuous trigger, injury-in-fact trigger, and exposure trigger. The continuous trigger is applicable when injury or damage has more than one trigger happening at different points in time. The injury-in-fact trigger is applicable on date damage or an injury occurs. The exposure trigger utilises a date on which an injured party came into harmful contact first.