How Long Do I Have to File a Claim After an Auto Accident?
Filing a claim for your auto accident can be tricky business.
When you’re dealing with all of the logistics that come with auto accidents, such as:
- Emergency services
- Damages
- Public trust
- Medical care
Your worries pile up. You have so many things to worry about, whether you are the one who caused the auto accident or the recipient of the accident.
So the big question is, “How long do I have to file a claim after an auto accident?”
Well, typically it ranges from 3 years for property damages and 4 years for bodily damages.
But this is not often recommended. It is usually best to file your claim within 24-48 hours of the accident because:
- It can strengthen your claim.
- It assists in shortening your wait time for you to receive your claim.
- It will help you to keep the evidence clear and concise.
- Finding your insurance policies and insurance provider will be simpler and easier.
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Timelines for Filing a Claim
Depending on your insurance provider, if you wait later than 2 to 3 days after the auto accident, the provider can deny your claim. If this does happen, you can appeal the decision, hire a lawyer and gather up more evidence. Taking this route may or may not increase your claim odds.
When you do file your claim, it is best to have all of the necessary materials such as:
- Your police report
- Evidence photos and/or videos
- Insurance information of all vehicles involved
- Contact information of those involved
Understanding Your Policy
Understanding your insurance policies on how to file for a claim is also necessary. If those specific procedures are not followed correctly, your claim may be passed over or even denied due to incorrectly following directions.
Some providers have specific timelines or steps that must be taken in order for your claim to be valid. These policies are usually outlined in your insurance documents or on your provider’s website. It’s a good idea to familiarize yourself with these procedures ahead of time so you’re not caught off guard in the event of an accident.
Don’t Wait — Act Quickly
Overall, it is best to file for a claim as soon as you possibly can. That way the evidence and event of the auto accident is still fresh in your mind and you have better odds of not being denied.
Prompt action not only strengthens your case but also helps reduce the stress and confusion that can come with delayed filing. When in doubt, consult with your provider or an attorney to ensure you’re taking all the right steps to protect your rights.
Contact Us
If you’ve been in an auto accident and need help filing a claim or understanding your legal rights, our experienced team can guide you through the process. Contact us today for a free consultation at 888-813-3188.
