Time limits on solo accident

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PostPosted: Sun Jan 21, 2007 10:31 pm   Post subject: Time limits on solo accident  

After losing control of my vehicle (hydroplaning) during a rain storm I went into the ditch causing damage to my vehicle. I did not contact the police department. Can I still make a claim? If so how long do I have to make a claim.

BTW, I have had full coverage with the same insurance company since buying the vehicle brand new in 2003 and have no claims in the past.

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PostPosted: Sun Jan 21, 2007 10:52 pm   Post subject:   

It depends...did you already have the car fixed or no? If you have not had the car fixed yes you can still most likely put a claim in. The sooner the better though. I am not 100% sure on the time limit. It could be a week or 30 days. But if it was recently I would call it in.

Why did you not call it in to the insurance company right away? Just curious?


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PostPosted: Mon Jan 22, 2007 4:11 am   Post subject: note:  

some insurance agency may require photo of the accident

cause they may think you only did it on purpose

if you have accident report it immediately

base on my Idea

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PostPosted: Mon Jan 22, 2007 8:02 am   Post subject:   

hi RogerS,

I think this thread might help you.



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PostPosted: Mon Jan 22, 2007 2:23 pm   Post subject:   

The terms of your policy and your states statute of limitations would be the two limiting factors.

A policy usually states that you need to report all claims within a timely manner. I've never heard of a carrier inforcing this and it would be next to impossible to deny a claim for this reason. Of course, the late report will raise suspicions, mainly about another vehicle being involved.

I can see no reason why not to report the claim as soon as possible.

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