How long do I have to submit a claim to my car insurance?

I got into an accident last week. I haven't informed my insurance company yet. How long do I have to submit a claim?

Answer
The length of time you have to submit a claim to your car insurance depends on your company and where you live.
Most car insurance companies state that you must submit a claim immediately or promptly after an accident without giving an actual length of time. States also often have statutes of limitations in regards to claims.
However, 30 days tends to be the industry standard for claim submission. After 30 days, your provider is more likely to deny your claim.
The best thing to do is inform your insurance company now about the accident. Since it happened last week, you shouldn’t have any issues, but you’ll need to speak with them to confirm.
If you notice a rate increase after submitting your claim, consider using Jerry. As a licensed broker that offers end-to-end support, the Jerry app gathers affordable quotes, helps you switch plans, and even cancels your old policy for you.
Emily Maracle
Answered on Oct 19, 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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