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? "

Answer provided by
Emily Maracle
Answered on Jun 17, 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.
“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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