What Is The Deadline For Filing An Insurance Claim After A Car Accident?

As unfortunate as it may be, you have just been involved in a car accident. Depending on its seriousness, you may actually have more important things to worry about than the deadlines for filing a claim. However, if you wait a little too long, this might mean that you would get your claim denied. It’s important to file your insurance claim as quickly as you can in order to ensure that everything is handled properly.

Lack of Universal Deadlines

Now, the precise deadline which you’d have to abide by is likely to vary based on the car insurance policy that you have. Most of them don’t really provide a proper and strict deadline or a period of time. Instead, they usually state that you have to file your claim within a “reasonable amount of time”.

Timeline for filing a claim

This is a question with no one-off answer. Unfortunately, there are a lot of complications which might actually take place long after the accident. There is a serious legal position which states that you ought to follow the time terms after you have discovered your damages.

Let’s walk through an example. You have been involved in a rear-end car accident and, initially, you felt that there is a strain in your back. You went to the doctor, he didn’t notice something strange and the pain walked away a few hours later. This went on for a day or two and one morning, you woke up without being able to move your back. The strain had come back, more serious and painful than ever. After a thorough evaluation, the issue is caused by the same accident and the whiplash has turned to something far more challenging and difficult to deal with.

With this in mind, it is important to understand that you’ve discovered the injury a few days after the accident itself. Hence, your deadlines will be counted from then on for these particular damages. That’s why it’s challenging to put a particular amount of time and days that you’d have to wait in order to get to the point when you need to file a claim. The best thing to do is to handle this as quickly as you can. If you are not in the proper condition to do so on your own, you can easily work with a personal injury lawyer who is going to handle it for you. This is also going to ensure that you get proper legal representation in front of the insurance company or in front of the court, should you file a tort claim instead of a benefit claim. That is why you need the services of a personal injury lawyer. They will inform you about the ways to win a compensation and help you at every step of the process.

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