Having to experience a car accident is one of the most stressful things that you can go through. While filing a claim might not be the first thing that you think of doing, it is a highly essential step in ensuring you are safe and cared for in the event of a financial crisis that stems from a car accident. So, you might be wondering “how long do I have to file a claim?” This is one of the most common questions for those who have recently been in a car accident.
Financial Pressure fromAccidents
Not only are accidents one of the most emotionally stressful times that you can go through, but they also place a fair amount of stress on your finances. An accident can affect many areas of your life and make it very difficult to be able to keep up with bills and any medical expenses that occur after an accident. If you want to be able to address these and get out from under the stress you are facing, then you will need to consider making a claim.
Filing a Claim
If you have decided to file a claim with your insurance company as a result of expenses that occurred from an accident, then there are some things that you need to know. Yes, the time after an accident can be very stressful, which can cause you to overlook certain things. However, it is important that you adhere to the guidelines of filing a claim so that you are compensated for your expenses.
When you are filing a claim with your insurance company, you should know that there is a time window in which it is acceptable and allowed to file a claim. If you miss this window, your insurance company will likely deny it and you will receive no compensation. The deadline and filing window will change from company to company, so be sure that you are aware of the guidelines that your own insurance company has put into place.
Regardless of the window that is allotted for filing a claim, if you know that you will be filing a claim, you should do so right away. The sooner that you file a claim the better. When you are able to file a claim right away, it helps the insurance agency complete their investigation much faster and eventually honor your claim.
Claiming Against Another’s Insurance
The other option that you have after an accident is to file a claim with the other person’s insurance. This is an appealing option for many, and there are fewer restrictions about time limits following the accident within you can file our claim. The one very important deadline to keep track of is the statute of limitations. If you go beyond the statute of limitations for the offense that was committed, then you will lose all ability to regain your losses.
As is the case with other filing types, you should always make filing as quickly as possible a priority to increase your chances of receiving the compensation that you are entitled to.