How long do I have to report an accident to my insurance company?

I got into a car accident 2 days ago and haven't filed a claim yet. How long do I have to report my accident to insurance?

Find out if you’re getting ripped off on your car insurance in less than two minutes.
No spam · No long forms · No fees
Find savings (100% Free)
rating white
3.5k Ratings
Answer provided by
Carlos Kirby
Answered on Nov 04, 2021
Sorry to hear about your accident. You probably have a lot on your plate right now, but if you can, you should report your accident to your insurance company ASAP.
Many companies just say that you need to file a car accident claim “promptly” without listing a specific deadline. You should be okay to call a few days after the accident in this case.
Still, it’s important to report an accident to your provider as soon as possible so they can begin their investigation process and get you your payout more quickly.
A few providers, however, will give you as little as 24 hours to start the claims filing process. With any provider, claims may be denied if they are filed later than the insurer deems reasonable.
If you’re not at-fault and looking to file a lawsuit, all states have statutes of limitations that require you to initiate legal action within a certain timeframe. Those time limits also depend on whether your claim has to do with personal property damage or bodily injury.
If you’re looking to switch insurance companies after this ordeal is over, Jerry can make the process hassle-free. Just enter a few pieces of information and you’ll be able to compare your current policy to dozens of competitive quotes.

Here to save on car and home insurance? Great, you do that. We’ll do everything else.

Sign up in under a minute.
No need to fill out forms or shop around. Sign up in 45 seconds to start saving. Jerry does the rest.
Jerry collects and analyzes your current coverage.
Say hello to Jerry, your new insurance agent. We’ll contact your insurance company, review your current plan, then find the coverage that fits your needs and saves you money.
Get the best options before your renewal.
Jerry does all the picky, busy work by comparing prices and coverage from more than 50+ insurance companies. We compare what we find to your current policy and offer you the three best options before every renewal.

Easiest way to compare and buy car insurance

No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
Find insurance savings — it's 100% free