Other deadlines come into play when contacting claimants and completing other steps in the auto insurance claim process. This is another topic that boils down to the individual insurer. Every insurance company has different rules, and you may have a few days to a few months to file your claim. However, it's always best to file a car insurance claim as soon as possible after an accident.
The sooner you file your claim, the better your chances of obtaining full compensation for your losses. The exact amount of time you have to file a claim against another driver's car insurance policy depends on the individual insurer. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. However, most insurers have a network of repair shops that will bill the insurer directly (with discounts).
You could run into unexpected problems with the insurance claim process and you may need to take steps beyond the insurance claims system to fully recover your losses. You don't need to file your claim right away; each insurance company offers different time frames for filing auto insurance claims. When you file a claim after a car accident, the insurance company will assign an appraiser to your case. Notify your own insurance company about the accident and then contact the at-fault driver's insurance company to notify them that you intend to file a claim.
If you don't report the accident to the other driver's insurance company as required, you could lose the opportunity to file an insurance claim. Insurance companies will also use appraisers and accident reconstruction experts to determine fault in car accidents. For more information, see WalletHub's guides to no-fault insurance and the cheapest car insurance in California. In typical no-fault states, drivers must have personal injury protection (PIP) insurance to pay for their own medical expenses after a car accident, regardless of fault.
If you don't have insurance but weren't at fault for the accident, you can file a claim with the other party's insurance company. Bodily injury claims are the ones that take the longest to resolve because there are several parties involved, such as your doctor, the auto insurance company, and your health insurance provider. You don't need to send a demand letter to the insurance company after a car accident in California, but it can be useful. The insurance company generally has approximately 30 days to investigate your car insurance claim, although the number of days varies by state.
If you don't report your accident to your own insurance company, they may cancel your coverage and force you to get a new car insurance policy.