Realistically, you have one to six years from the collision date to file a personal injury or property damage claim, but it is recommended to file sooner. Most insurance policies do not have a strict deadline or window of time for making a claim. Instead, you are usually required to make your claim “promptly” or within a reasonable timeframe.
Why is it important to file the claim on time?
Filing your car insurance settlement claim promptly is crucial for several reasons:
- Compliance: Meeting the deadlines ensures that you are in compliance with your insurance policy’s terms and conditions.
- Evidence preservation: The sooner you file, the easier it is to gather evidence like photographs, witness statements, and police reports.
- Smooth process: Timely filing of the insurance claim can lead to a smoother claims process, reducing the risk of complications or claim denials.
Final thoughts
If you miss the time limit specified in your policy for filing a car insurance settlement claim, it can result in your claim being denied. Insurance companies have valid reasons for enforcing time limits, as delays can make it harder to verify the details and assess the situation accurately.
Remember, to avoid potential complications, always review your car insurance policy and be aware of the time limitations for filing a settlement claim.
