If someone is injured today but does not make a claim until next year , it is the policy that is in force next year that will respond , unless the retroactive date covers the time the accident happened 如果某人今天受傷,但直到下一年才提出索賠,那么下一年的有效保險單將對此作出答復(fù),除非事故發(fā)生時間包括在追溯日期內(nèi)。