The time frame for filing a claim for auto insurance varies by insurer and state.
The insurance departments of some states say to file a claim “as soon as possible,” but they don’t say exactly how much time you have.
If you live in a state that requires you to file your claim as soon as possible, it is best to do so on the day of the accident, if not immediately thereafter.
After an accident, you can’t sue anyone or anything in certain states for damages. You must, for instance, file a lawsuit for bodily injury or property damage within two years of the incident, according to Texas law.
State regulation may likewise restrict how much time you need to acknowledge a protection settlement.
For instance, Utah regulation requires people acknowledge or dismiss a substantial physical issue guarantee in the span of four years of the mishap and a property harm guarantee in three years or less.
You may lose your right to the settlement if you refuse to accept it within the legally mandated time frame.
