Which of the following is NOT a factor for determining coverage?

Determining coverage in insurance typically involves assessing various factors that can influence the scope and extent of the policy. Insured's liability reflects the responsibilities assigned to the insured in the event of a claim. Occurrence of the damage is critical, as it determines whether the event that triggered the claim falls within the policy's coverage period. Exclusions that apply outline specific situations, risks, or events that the policy does not cover, which is essential for understanding the limitations of the coverage.

Previous claims history is not directly a factor in determining the coverage itself; rather, it might influence underwriting decisions, risk assessment, and premium pricing. While a history of previous claims can indicate the likelihood of future claims, it does not alter the terms of coverage or dictate the specific instances in which coverage is applicable. Coverage is fundamentally based on the terms of the policy, which outline the insured's liability, when damage occurs, and the exclusions that may restrict or negate coverage.