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If you have visible injuries, take pictures of those too. Remember that the sooner you do this, the less likely you are to have your claim denied.
Your insurance provider usually has a claims center on its website to give you the resources you need to start filing your claim. Otherwise, you can call an agent directly and they will walk you through the process. As you get your claim started, you can also have them dispatch a tow truck for you. Once the auto insurance claim process is underway, your insurance provider will assign an adjuster to your claim.
This claims adjuster is the person in charge of gathering the necessary evidence to confirm that the check provided to you is sufficient to cover your damages. Your adjuster will usually request specific documentation and may want to schedule a time to look at your car in person.
Work with them to keep your claim moving forward without delay. The objective in filing an auto insurance claim is to get all of the expenses related to your accident covered. To ensure you have good proof of those expenses, keep any documentation related to the accident. It can be helpful to start a file with all the paperwork related to your claim for ease of reference — including receipts, your police report and any notes you took right after the accident.
For more details on how to navigate the next steps after a car crash, check out our guide on what to do after any auto accident. If you want to file a claim past the applicable statute of limitations in your state, you are likely out of luck.
If you reported your accident to them at the time the incident happened, you are in a better position to approach the claim. Be prepared to provide plenty of evidence to prove to your insurer that your injury resulted from the accident, not from another incident in the last few months. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions such as approval for coverage, premiums, commissions and fees and policy obligations are the sole responsibility of the underwriting insurer.
The information on this site does not modify any insurance policy terms in any way. When you get involved in a traffic accident that causes damages and injuries, no matter how small, you should plan to inform your insurance company.
This applies even if you do not need to make a claim. Since every traffic incident you get into is listed on your driving record, it affects your insurance premiums and insurers want to be updated on them. Depending on which state you live in, you have anywhere between one and ten years to file a claim. This time limit depends on the government statutes that each state follows.
The time limit for making a bodily injury claim is typically shorter than the time limit for making other claims vehicle damage, property damage, etc. Bear in mind that your insurance company does not decide the time limit for filing a claim.
The final word is always the government statute in your state. After an accident, some damages or injuries do not become apparent until days or weeks later. If you think this may be the case with you, it may be a good idea to wait to file a claim. If you file later than the time limit, the insurer has the right to reject your claim.
The longer you wait to file a claim, the more likely it is that your insurance company might be suspicious. For instance, if you file a bodily injury claim three months after an accident, the insurer might wonder if the damages were because of the accident or because of something that happened later.
This could lead to an investigation and end up in a denied claim. Filing late could also lead to diminished evidence and make it harder to establish your case. If you are wondering how long after an accident you can file a claim, the answer is that it varies from one state to another.
Each state has its own statute of limitations, which insurance companies have to abide by. The following are the limitations in each state:. One of the first things that needs to be done after an accident is informing the police and it should ideally be done within 24 hours of the incident. Reporting the incident is different from filing a claim with your insurer.
When you report the accident, it means there is now a formal record of the incident taking place. If it is a minor fender bender with no damage and no need for a claim, you may still be able to do without reporting the incident.
But if it has caused major damages and injuries, you should report it without delay. Of course, if you choose not to report the accident to your insurance at all, and settle the damages out of pocket, you need to be aware of the risks.
Your insurance company needs to be kept aware of any collision that occurs. In Ontario, police will generally only attend the scene if someone is seriously injured or if the damage appears to be over a certain amount.
But if someone is hurt, then you should definitely call the police. Then you need to get yourself and the other driver should do this as well to the nearest auto collision reporting centre within 24 hours.
There, you will fill out a car collision report with the following information:. A copy of this report will get sent to your insurance company and will be used to assess your claim. Sign up to receive Driving.
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