How Long Do I Have To Report An Accident To Insurance Company

How Long Do I Have To Report An Accident To Insurance Company

What Is a Car Insurance Claim Deadline?

A deadline for filing a car insurance claim refers to the amount of time that can (or should) pass between the occurrence of the car accident and your initiation of the claim process. Depending on the kind of coverage you have and the details of the accident, the insurance claim could be filed with your own insurance company, or with the other driver’s insurer (it’s called a “third party” claim in the latter situation).

Getting the insurance claim process started usually means letting a representative of the insurance company know that you’ve been in an accident and that you intend to file a claim for your car accident injuries, your vehicle damage, or both. These days you can usually do that online (most bigger car insurance company websites feature a “Start Your Claim” option), but a phone call always works to get the ball rolling. Learn more about contacting your insurance company after a car accident.

Car Insurance Claim Deadlines Versus Lawsuit Deadlines

It’s important to note here that the insurance claim deadlines we’re talking about are distinct from the lawsuit-filing deadlines that might also come into play after a car accident. Lawsuit deadlines are strictly enforced and are set by state laws called statutes of limitations. Get more details on car accident lawsuits and deadlines.

There’s No Universal Deadline for Filing a Car Insurance Claim

The precise deadline—or, more accurately, the wording pertaining to when a claim must be filed—will vary depending on your particular car insurance policy. Most policies do not provide a strict deadline or window of time (30 days, 60 days, etc.). Instead, you are usually required to make your claim “promptly” or “within a reasonable time.”

Some states (especially those that follow a no-fault car insurance system) have passed laws that specifically address this issue. For example, New York, which is a no fault state, requires that you file your claim within 30 days of the accident, unless you have a good reason for not doing so.

Have An Attorney Review Your Specific Auto Accident Policy

Working with an experienced car accident attorney can help you to review your specific auto insurance policy. Our team will review the specific guidelines to ensure that you are reporting the car accident within a reasonable time limit. If you fail to do so you injuries and property damage may not be covered in your auto insurance claim. Let attorney Beverly R. Caruthers work with you to navigate your personal injury claim.

Spanish Speaking Car Accident Lawyer in Houston, Texas

Spanish-speaking individuals can have a more difficult time seeking justice in their personal injury cases due to language barriers. This causes them to not take action against those who have left them with financial devastation and physical trauma. At the Law Office of Beverly R. Caruthers, our team refuses to let a language barrier affect your right to justice and compensation. If you or someone you love has been injured in an accident and is in need of Spanish-speaking legal advice, our team is here for you.

We make it easy for those who have been injured due to the actions of others to navigate the legal system in order to get the results they need to continue on in their lives. Schedule your no-obligation car accident consultation with Attorney Caruthers today. Our team will work with you every step of the way to ensure your needs are being met and that you are getting the treatment you deserve in your car accident case. Don’t hesitate, the sooner you call the more we can do to get you results.

Personal Injury Law Office in Houston, Texas

If you or someone you love has suffered an injury, experienced loss of income, or are unable to work due to a car accident, you can benefit from the services of a Houston car accident expert in your personal injury case. Whether you missed work due to an injury or due to not having access to a vehicle, Attorney Beverly R. Caruthers can help you!

Our team works hard to bring the most efficient and practical solutions to your car accident case. Beverly R. Caruthers proudly serves and defends the Greater Houston area including but not limited to Baytown, Conroe, Crosby, Humble, Huntsville, Lake Jackson, Missouri City, Pasadena, Spring, Tomball.


Beverly R Caruthers Law Office
Address: 4141 Southwest Fwy, Suite 620
Houston, TX 77027
(713) 526-9557
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