Is There A Time Limit For Making A Car Insurance Claim?

Are you wondering if there’s a deadline for making a car insurance claim? It’s an important question, and many drivers are unsure of the answer. Whether you’ve been in an accident or your car has been stolen, understanding the time limit for filing your claim can make all the difference.

In this blog post, we’ll take a closer look at what you need to know about making a car insurance claim and whether there are any deadlines you should be aware of. So, let’s get started!

Time limits for different types of car insurance claims

There are different time limits for making different types of car insurance claims. For example, if you have a collision claim, you generally have up to two years from the date of the accident to make a claim. If you have a comprehensive or liability claim, you generally have up to three years from the date of the incident to make a claim.

What to do if you miss the deadline

If you have been in an accident, you may be wondering if there is a time limit for making a car insurance claim. The answer is that it depends on your policy and the state you live in.

Most car insurance policies have a statute of limitations of two years. That means if you do not file a claim within two years of the date of the accident, your insurer may deny your claim. There are some exceptions to this rule, however. If you are filing a claim for injuries, most states require that you do so within three years of the date of the accident.

If you miss the deadline for filing a claim, you may still be able to get coverage if you can prove that the delay was due to extenuating circumstances beyond your control. For example, if you were in a coma after the accident, you would likely have an extension on the deadline. If you are unsure whether or not you qualify for an extension, it is best to speak with an attorney who specializes in car insurance claims.

How to avoid making a car insurance claim

If you’ve been in an accident, the first thing you should do is assess the damage. If the damage is minor and can be fixed without going through your insurance, it’s probably best to just pay out of pocket. Insurance companies often raise rates after claims are filed, so avoiding a claim altogether can save you money in the long run.

If you have comprehensive coverage, making a claim may not be worth it if your deductible is high. For example, if you have a $500 deductible and the damage to your car is only $300, you’ll have to pay for the repairs yourself. In this case, it may make more sense to just pay out of pocket instead of filing a claim with your insurance company.

Of course, if the damage is significant or you were at fault in the accident, you’ll likely need to file a claim. But even then, there are ways to minimize the impact on your rates. For example, some insurers offer accident forgiveness programs where your rates won’t go up after one claim over a certain amount. And if you’re not at fault in an accident, your rates usually won’t increase at all.

So when it comes to deciding whether or not to file a car insurance claim, there’s no easy answer. You’ll need to consider the cost of repairs, your deductible, and your chances of getting increased rates before making a decision.


Knowing when to file a car insurance claim is essential for getting the coverage you need in the event of an accident. Most car insurance companies have time limits for filing claims, so it’s important to keep track of how long you have after an accident occurs.

Additionally, take pictures of any damage and contact your insurance company as soon as possible if you believe that you are eligible for a valid claim. If done correctly, filing a car insurance claim can help you get back on the road faster and with fewer hassles.