Your policy company might say you need to start the claim action a soon as potential after a car accident, but you may have more time than that. If you ’ re filing a lawsuit, the legislative act of limitations for personal injuries and property damage can be anywhere from one year to 10 years, depending on your express. additionally, time limits besides depend on whether it ’ s a property damage or injury claim .
If you ‘re filing a claim with an policy company, you have ampere long as your car insurance party or policy says you have to start the claim process after an accident, which could mean when the accident occurs or within 24 hours. It varies from company to company .
You ‘ll learn more about that in this article, ampere well as :

How long do you have to file an insurance claim after a car accident?

You might have vitamin a little as a day to start the claim process with your cable car policy company. The insurance claim time limit for a car accident depends on :

  • Which car insurance company provides your coverage.
  • Whether you file a bodily injury or personal property damage claim in the wake of the incident.

Most insurance companies barely say you need to file a car accident claim “ promptly ” and do not specify a timeline .
Insurers may detail these meter limits in the documents they send people who buy car coverage from them. Look over your policy to find out when your policy party wants you to file a claim after a car accident .
All states have statutes of limitations that dictate how cursorily you need to file a lawsuit after an car accident. Those time limits besides depend on whether your claim has to do with personal property damage or bodily injury .

How to file a claim with your car insurance company

If you get into a cable car accident, you should contact your insurance supplier a soon as you can. If you wait excessively long, it could impact your payout since it is harder as time passes for your indemnity company to assess any damage or injuries tied to the crash or determine who is at fault .
You may need to provide your cable car policy company information about who was involved, the fomite and indemnity information for anyone involved, the placement and time of the accident, a copy of the police reputation and the names of the officers who responded. Taking pictures of the scene of the accident and getting contact information from any witnesses can help support your claim .
An indemnity adjuster will be assigned to your claim after you initiate it. The adjuster may contact you for any extra information they need .

What happens if you don’t report a car accident?

In about all scenarios, you should tell your insurance company if you get into an accident. here are a couple of reasons why :

  • Maybe you think the other driver is at fault for the accident. He thinks otherwise and decides to sue you over it. If you didn’t report the crash to your insurance company, it’ll have a hard time gathering evidence on your behalf.
  • Car damage isn’t always obvious right after a crash. Sometimes it takes a while to affect a vehicle’s performance. The same can be said of injuries. Not reporting an accident to your insurance company could result in it not covering your resulting car repair or medical bills.

States can besides require you to report an accident to the police if damages exceed a sealed measure, but that does n’t mean you have to file a claim with your insurance ship’s company .

When not to file an auto insurance claim

If you damage your own cable car and it ‘s a minor dent or scratch, then getting your car repaired yourself may save you money down the road. For example, if you hit your mailbox as you ‘re reversing, you may be able to pay for the repairs yourself .
If your car is damaged, you can report it to your car indemnity company and not file a call. Just reporting an incident normally wo n’t raise your premium if it ‘s the foremost time. When you do n’t notify a cable car indemnity ship’s company about any damages, it could lead to denied claims down the production line .

How long do you have to report an accident?

If you do get into a car accident, you should call the patrol at the setting. States can besides require drivers to report an accident within a certain count of days if damages exceed a certain amount .
In New York, for example, you are required to file an accident report if you are involved in any accident where there is property damage of more than $ 1,000. The report besides has to be filed within 10 days .
insurance companies besides use police reports as testify, so it ‘s full of life to report an accident in ordain to determine fault .

State statute of limitations for bodily injury and property damage lawsuits

Every state has unlike statutes of limitations for injury and property wrong lawsuits .
States are a lot more specific about how hanker you have to file a lawsuit related to an accident than insurers are about how farseeing you have to file a claim related to one .
Listed under are the statutes of limitations for property damage and injury lawsuits in each state .

Statute of limitations for lawsuits by state
State Bodily injury Personal property damage
alabama 2 years 2 years
alaska 2 years 2 years
arizona 2 years 2 years
Arkansas 3 years 3 years
California 2 years 3 years
colorado 3 years 3 years
connecticut 2 years 2 years
delaware 2 years 2 years
Florida 4 years 4 years
georgia 2 years 4 years
hawaii 2 years 2 years
Idaho 2 years 3 years
Illinois 2 years 5 years
Indiana 2 years 2 years
Iowa 2 years 5 years
Kansas 2 years 2 years
Kentucky 1 year 2 years
Louisiana 1 class 1 year
maine 6 years 6 years
maryland 3 years 3 years
Massachusetts 3 years 3 years
Michigan 3 years 3 years

minnesota 2 years 6 years
Mississippi 3 years 3 years
missouri 5 years 5 years
Montana 3 years 2 years
nebraska 4 years 4 years
nevada 2 years 3 years
New Hampshire 3 years 3 years
New Jersey 2 years 6 years
New Mexico 3 years 4 years
New York 3 years 3 years
North Carolina 3 years 3 years
North Dakota 6 years 6 years
ohio 2 years 2 years
oklahoma 2 years 2 years
oregon 2 years 6 years
university of pennsylvania 2 years 2 years
Rhode Island 3 years 10 years
South Carolina 3 years 3 years
South Dakota 3 years 6 years
tennessee 1 year 3 years
Texas 2 years 2 years
utah 4 years 3 years
vermont 3 years 3 years
Virginia 2 years 5 years
Washington 3 years 3 years
Washington, D.C . 3 years 3 years
West Virginia 2 years 2 years
wisconsin 3 years 3 years
Wyoming 4 years

4 years

If you plan to file a lawsuit after a car accident, consult with a local lawyer about your state ‘s legislative act of limitations and any specific country requirements for filing a lawsuit . LLC has made every effort to ensure that the data on this locate is correct, but we can not guarantee that it is detached of inaccuracies, errors, or omissions. All content and services provided on or through this locate are provided “ as is ” and “ as available ” for use. LLC makes no representations or warranties of any kind, express or implied, as to the operation of this web site or to the information, capacity, materials, or products included on this locate. You expressly agree that your use of this site is at your sole gamble .

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