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HOW LONG AFTER A CAR ACCIDENT CAN YOU FILE A CLAIM

The time limit to file a car insurance claim after an accident is set by each state's government, and it ranges from one to 10 years. Additionally, even within the same jurisdiction, the time limit may vary for differing claim types (with the limit for, say, a comprehensive claim differing from that for injury or property damage). Consult the table below to determine the statute of limitations your state has set for you to file a claim, and keep in mind that contacting your insurance agent as early as possible will ease the claims process.

HOW LONG DO YOU HAVE TO FILE A CLAIM OR LAWSUIT?

You can only file a claim or lawsuit within your state's liability time limit—also known as a "statute of limitations." Each state governs its own statutes of limitations, and different types of damages, such as bodily injury or property damage, have different time limits.

Your auto insurance policy might state that you should initiate the claims process at the time of the incident, or within 24 hours of when the damage to your vehicle was done. While strongly recommended, this time frame is not a requirement, and it does not preclude you or another driver from filing a claim or lawsuit months or even years later, as long as the claim is filed within the statute of limitations of the state where the accident occurred. This is useful and necessary, since some injuries and mechanical damage is not apparent until days or weeks after an accident occurs.

However, be aware that the longer you wait to file a claim, the harder it might be for you to defend it. Insurance companies may be highly suspicious of significantly delayed claims, and will investigate whether the damage you're claiming actually resulted from the covered accident rather than, deceptively, from a later incident. If they have legitimate reasons to doubt your claim, they may deny coverage.

Typically, auto insurance claims will fall under one of two statues of limitation: one that limits the time limit for bodily injury claims, and one that limits the time limit for other damage claims, including property damage (damage done to another vehicle), collision damage (damage done to your own vehicle), and comprehensive damage (damage done to your own vehicle from a non-collision event, like theft or vandalism).