Maximum time limit of filing a claim ??

Message Author
ampm-bookmark
delicious-small Add to delicious
yahoomyweb-small Add to YahooMyWeb
blinklist-small Add to BlinkList
PostPosted: Tue Nov 21, 2006 4:18 am   Post subject: Maximum time limit of filing a claim ??  

Hi friends, a few months back I was involved in a car accident. Do you guys have any idea as to what is the maximum time limit before which one has to file a claim? I am in a fix, please help.

Regards,

Linda


_________________
Register Now to have your Insurance queries solved.
Linda
Guest







PostPosted: Tue Nov 21, 2006 5:49 am   Post subject:   

Hey Linda, hope you were not injured. Coming to your query, its certainly helpful to file the claim with the right people as soon as possible. Why I say this is because that would give your insurance co. ample time to deal with the situation and as it happened with me you will also get their full cooperation.

Thanks, McMahon


_________________
Register Now to have your Insurance queries solved.
McMahon
Guest







PostPosted: Tue Nov 21, 2006 6:09 am   Post subject:   

Remember this, claims are generally of two types, (a) One that you file in case someone else is liable, and (b) One that you file under your own policy.



Now, if you were to file a liability claim against the other person's insurer then you better hurry up coz you have just 12 months time from the day of the mishap to file a lawsuit against the one responsible and his/her insurance company. In case you are still undergoing treatment or your claim is still unsettled, please make sure that you ask a representative of your insurance carrier about a time limit. As far as my understanding that also has a one year restriction.



On the contrary, you get a much longer time in which to file a claim with your own insurance company. Your company will be responsible for your policies for as long as 10 yrs.



God bless, Fatman

fatman
Moderator
Leave a quick message

fatman

Joined: 04 Oct 2005
Posts: 568


104.31 Dollars($)

PostPosted: Tue Nov 21, 2006 6:34 am   Post subject:   

Thank you people. This conversation has certainly cleared some of my doubts and also I have been cleared of some pre assumptions that turned out to be incorrect.. One thing I would like to know how important it is to see a doctor right away after an accident. I mean does it help in any way while one goes for a claim.

SpecialGuy007


_________________
Register Now to have your Insurance queries solved.
SpecialGuy007
Guest







PostPosted: Tue Nov 21, 2006 6:59 am   Post subject:   

Make sure that you see a doctor as soon as you can. Now, there are important reasons to see a doctor immediately after an accident. Firstly, and most importantly you do that to be sure that you are ok. It might seem to you that you are perfectly fine but once you meet the doctor he tells you that something is wrong. So better prevent than cure. Secondly, having everything (date, time and the cause of the injury) in one place would certainly help you in the future if you come to know that the scale of the injury was more serious than you had actually presumed it to be.

Thanks,

SashaT

sasha
Senior member
Leave a quick message

sasha

Joined: 27 Mar 2006
Posts: 205


42.23 Dollars($)

PostPosted: Wed Nov 22, 2006 1:00 pm   Post subject:   

12 months to file a claim...? The amount of time depends on who it's filed with (1st party=your own carrier=under a contract or 3rd party=other persons carrier=liability) and what state the accident happen in. It's regulated by the states Statute of Limitations.



It could be 12 months... it could be 4 years.


_________________
Register Now to have your Insurance queries solved.
tcope
Guest







PostPosted: Thu Nov 23, 2006 4:26 am   Post subject: Welcome!  

Hi tcope,



We welcome you to our forums. Its good for our community that we gain in terms of knowledgeable people like you!

We expect you to help the community with your invaluable vision and expertise.

Thanking you,

Lakemen



_________________

Ask your question to the Community Insurance Experts...
lakemen
Site Admin
Leave a quick message

lakemen

Joined: 18 May 2005
Posts: 1264


321.50 Dollars($)

PostPosted: Thu Nov 23, 2006 4:43 am   Post subject: Linda Bell from Louisiana  

Thanks to all of you!

Yeah..I'm from Louisiana and have a moderate private career. Any idea as to the max time limit pertaining to my state?

regards, Linda


_________________
Register Now to have your Insurance queries solved.
Linda
Guest







PostPosted: Thu Nov 23, 2006 3:29 pm   Post subject:   

Ding, Ding, Ding..... Fatman called this one. In LA you have 1 year to commence a liability claim (against another party).



Maybe he detected a cajun accent. Very Happy

tcope
Forum Expert
Leave a quick message

tcope
Forum Expert

Joined: 22 Nov 2006
Posts: 6018

Location: Salt Lake City, UT
362.30 Dollars($)

PostPosted: Sat Jun 30, 2007 5:59 pm   Post subject:   

Hi! I thinka the faster you fill the claim - the better.But if something's wrong with you and you cannot do this - you will be able to fill the claim before your insurance policy is exceeded.

cvetok
Member
Leave a quick message



Joined: 30 Jun 2007
Posts: 82


19.11 Dollars($)

PostPosted: Tue Apr 22, 2008 1:27 pm   Post subject: accident  

if accident can happen in parking lot how long time limit to inform to the insurance company


_________________
Register Now to have your Insurance queries solved.
diana
Guest







PostPosted: Wed Apr 23, 2008 9:42 am   Post subject:   

I believe it has to be 24 hours if it is an accident wherein someone has been injured or killed, otherwise the case becomes state-specific. See, if senior members have to differ in opinions. Smile


_________________
Register Now to have your Insurance queries solved.
genmanRobert
Guest







PostPosted: Wed Apr 23, 2008 12:09 pm   Post subject:   

All auto policys that I have seen say you must ''promptly'' report all accidents (whether at fault or not, private or public roads doesn't matter) however, having said that I have only seen one denied for failure to promptly report in 20 plus years...call today!



_________________

"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr.
Lori
Forum Expert
Leave a quick message

Lori
Forum Expert

Joined: 10 Sep 2007
Posts: 8080

Location: Missouri
287.93 Dollars($)

PostPosted: Wed Apr 23, 2008 11:31 pm   Post subject:   

You should always report accidents as soon as they happen for your own protection. I personally can't see waiting past 24 hours unless really injured or hospitolized. That old addage applies here..the sooner,the better.

fireyone
Senior member
Leave a quick message

fireyone

Joined: 07 Jan 2008
Posts: 1986


2.37 Dollars($)

PostPosted: Mon Jul 11, 2011 4:39 am   Post subject:   

my car was considered totaled by state farm (my insurer) and i was given 3 options . I did not want to give up my car and was told to put it in writing (which I never did) . I have since been convinced to take the option of accepting a lesser amount and keeping it for salvage and not driving it for 6-8 months. The accident happened about 9 months ago. can I restart the claim since I did not initiate it in the first place


_________________
Register Now to have your Insurance queries solved.
justmek
Guest







All times are GMT
1, 2  Next  
Page 1 of 2


Get free auto insurance quote
State Auto Insurance Laws in USA

USA Auto Insurance laws
Ask Community Experts

flash plugin

Quick Links

Must See

Community

Hot topics in forums

Latest in blogs

AmPmInsure on Facebook



Page loaded in 4.110 seconds.