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 如果某人今天受伤,但直到下一年才提出索赔,那么下一年的有效保险单将对此作出答复,除非事故发生时间包括在追溯日期内。