It doesn’t matter if you’re driving to work, returning from a trip with your family or running errands. A car accident can be very dangerous. You’ll need to address the incident quickly, regardless of who is at fault.
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If you or your passengers sustain serious injuries, it is important to seek medical attention immediately. You may also be curious about how long it takes to report a car crash to your insurance, if you need to, and how long it takes to file a suit (if necessary) or other timing-related questions.
These questions can be answered in general. You will also find information on the limitations for accident claims, and when certain actions should take place following an accident.
Do You Need to Report a Car Accident
You may not want to report a car crash in certain circumstances, but these are rare. If your repair costs are less than your deductible, then you might not want to report a car accident. Your insurer could raise your rates if there are any previous claims. However, premium increases can be unpredictable. Even minor collisions can cause significant damage and cost thousands to repair. In 2020, for example, the average property damage claim was $4711.
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Keep in mind that you are responsible for any damage to property caused by another person’s negligence, even if the accident is a one-vehicle incident. In most cases, you should contact your insurance company after an accident. Many policies include a requirement that you report any third-party claims against your policy and to cooperate with them in investigating. You will need to notify the insurance company immediately if you believe the other party might file a claim against your coverage.
It is possible to contact your insurance company, even if the accident was not your fault. You can also file a third party claim with the insurance company of the other driver.
What length of time do you have to report it?
You should notify the insurer as soon as possible. Most insurance companies have mobile apps and hotlines that can be reached at any time. If you aren’t sure whether you should call the police, it is a one-vehicle collision. You will need to review your policy to make an informed decision as soon as you can.
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Insurance companies often require policyholders make claims within a certain time frame after an accident. However, these limits are not public and are unique to each policy. Ask your agent if you have any questions.
Car Accident Lawsuits and The Statute of Limitations
Although lawsuits are rare in cases involving car accidents, they can be necessary if your insurance company does not adequately cover your damages. However, each state has its own strict deadlines for filing a lawsuit. These are known as the civil statutes of limitations. The statute of limitations begins to run on the date of the incident. If you wait six months to file an insurance claim and then decide to sue after the accident, you are already six months into this statute of limitations.
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Different types of claims have different time limits in different states. For example, Illinois allows personal injury claims to be filed within two years. However, personal property injuries can be filed within five years.
Are you involved in a Car Accident? Talk to an attorney
It doesn’t matter if you are filing a lawsuit, or just need to file an insurance claim for a car crash. An injury attorney in your local area might be able to assist you if you have any questions regarding the reporting time for a car accident or other related issues.