“How long do I have to file a car insurance claim?
It’s to be expected that some injuries may not be identifiable immediately after an accident, so you have some time. But every state does have a statute of limitations for bodily injury resulting from a car accident. For example, in New York, you have two years to submit a claim.
Insurance companies have rules regarding claims, too. Often, they want you to file a claim as soon as possible. So you’ll want to inform them right away in your scenario.