How Much Time Do I Have to File a Claim?

January 27, 2012

When you're involved in an automobile accident, car insurance companies like for you to file a claim as soon as possible; and generally speaking, you should file a claim as soon as you have all the relevant information, police reports and other materials you will need to file your claim. However, this never means that you should be in a hurry and possibly overlook details or information that can affect the processing of your claim or the settlement amount that you should receive.

No Need to Rush

Insurance companies cannot deny a claim because you do not file one immediately after an accident. In fact, most state laws allow you to wait for as long as 2 to 4 years to file a claim, depending on the state in which you live. This is also the time limitor statute of limitationsfor filing a lawsuit against an insurance company as well. Therefore, take as much time as you need to carefully and completely prepare your claim before you submit it.

Most of the time, insurance companies like to rush claims, because they generally involve lower payouts. If you are injured, in an automobile accident, you should take your time and make sure that you have all of your medical bills prepared so that you can submit those for payment as well. The only time you would really need to consider rushing a claim, is if you simply do not have another vehicle to drive and a rental car is not an option.

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