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 Posted: Sun Jan 21, 2007 10:31 pm Post subject: Time limits on solo accident |
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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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RogerS
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| Posted: Sun Jan 21, 2007 10:52 pm Post subject: |
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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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nique1221
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| Posted: Mon Jan 22, 2007 4:11 am Post subject: note: |
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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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rachel
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| Posted: Mon Jan 22, 2007 8:02 am Post subject: |
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hi RogerS,
I think this thread might help you.
Thanks,
Brian |
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brian
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| Posted: Mon Jan 22, 2007 2:23 pm Post subject: |
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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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tcope
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