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There’s usually a time limit, but it varies by location and insurance company. It’s important to report the accident and start the claim process as soon as possible.

Key Takeaways

  • The time limit for filing a claim after a “not at fault” accident differs depending on where you live and your insurance company’s policies.
  • Each state has its own time frame, usually between 1 to 10 years, known as statutes of limitations. It’s essential to be aware of your state’s specific rules.
  • While some policies don’t specify a time limit, it’s wise to report the accident quickly to your insurance provider. 
  • The time limit may differ based on the type of damage. For instance, bodily injury claims may have shorter time limits compared to property damage claims.

State statutes of limitation

Different states may have different statutes of limitations for filing a claim. These statutes typically fall within a range of 1 to 10 years. It’s important to know the specific time limits applicable in your state.

Prompt reporting

Some insurance policies may not set a specific time frame but require prompt claim reporting. It’s always recommended to report the accident as soon as possible to your insurance provider.

Type of damage

The time limit for filing a claim may vary depending on the type of damages involved. For example, the statute of limitations for filing a bodily injury claim may be shorter than it is for filing for comprehensive or property damage.

Remember, it’s best to consult with your insurance provider or seek legal advice to fully understand the time limits and requirements for filing a claim in your specific situation.

Some states have specific rules regarding when you must file a claim with an insurer. For example, no-fault rules apply in New York, and you must provide written notice of your claim within 30 days of the day after the accident.

Final thoughts

Don’t wait too long to file a claim after a “not at fault” accident. Check your state laws and contact your insurance company for specific details. Reporting the accident promptly to your insurance company can help you get the compensation you deserve on time.