Do insurance companies have time limits on reporting injuries after an accident?

I was in an accident a few months ago. I didn't report any injuries at the time, but have developed back issues since. My doctor says they're directly caused from the accident. I have a lot of medical bills because of my injury. Can I still submit a claim?

Answer
“Since your accident was within the past few months, you’re well within the statute of limitations for filing a claim or seeking legal action. Most states give you between one and 10 years to file claims, but this length of time will vary depending on where you live.
If you have medical payment coverage on your insurance policy, you can submit a claim with your insurance directly.
If you weren’t at fault and don’t have medical payment coverage, you can file a claim with the at-fault driver’s car insurance. Their bodily injury liability should cover your injuries and medical bills.
Reach out to your insurance company directly to confirm your coverage. They’ll also be able to assist you with filing a claim with the other party’s insurance, if necessary.
In the future, you may also want to look at your car insurance coverage to ensure you’re covered for accidents like this. While you could add MedPay or collision coverage to your current policy, shopping around can often save you money. With the Jerry app, you can compare rates from dozens of car insurance companies to find the best price for your needs.”
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Emily Maracle
Answered on Aug 18, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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