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Do insurance companies have time limits on submitting claims?

"I dented my door in a parking garage about a month ago. I decided not to submit a claim as I thought it'd be less than my deductible. I just got the repair estimate and it's going to be $1500.

Can I still submit a claim?"

avatar
Emily Maracle · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“As you should be submitting claims as soon as they happen, you usually have between 30 and 60 days to submit a claim with your
car insurance
carrier. Each insurance company and state is different, so regulations may vary.
Some insurance companies also don’t define a length of time, but state that the policyholder must submit the claim within a reasonable amount of time.
If you do want to submit a claim, you should call your insurance company. You’ll want to be honest with them about when the damage happened and ask if you’re still able to submit a claim.
While it may be tempting to lie about the date that your car was damaged, that is considered insurance fraud. You could risk your policy being cancelled, your claim denied, and potential fines or jail time.”
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