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How long do you have to file an insurance claim after a car accident?

Two days ago I got into a car accident, and I’m worried I didn’t file a claim in time. How many days do I have to file a claim after an accident?

avatar
Will Baldwin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Often,
car insurance
 providers require you to report an accident as soon as possible—generally within 30 days—but reporting an accident is not the same as filing a claim. 
The time that you have to file a claim once an accident has been reported varies from state to state. Most states have a statute of limitation of two to three years, but some states allow you to file a claim up to 10 years later.
That said, the sooner you file a claim, the easier it will be to defend and to get a payout from your provider. Insurance companies may even be suspicious of delayed claims.
Keep in mind: While it’s best to file as soon as possible, some damage or medical issues aren’t discernable until a bit after the accident.
MORE:
What do I do if my car accident claim was denied?
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