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Generally, the insurance company has about 30 days to investigate your claim. Pro tip: Your states statutes of limitations will also determine how much time you have to file and settle a claim. The statute of limitations for insurance claims varies by state, as well as by claim type.
Personal injury: 2 years from the injury. Breach of a written contract: 4 years from the date the contract was broken. Breach of an oral contract: 2 years from the date the contract was broken. Property damage: 3 years from the date the damage occurred.
Most car insurance companies specify a time limit of a few days, with a maximum time limit of 7 days after the incident to file a car insurance claim. Some insurance providers may even expect you to file a claim within 48 to 72 hours of the incident. However, this time limit is not a compulsory rule.
The most common claim in a personal injury case is negligence and the time limit for this is 3 years. This means that court proceedings must be issued within 3 years of you first being aware that you have suffered an injury.
The California statute of limitations sets specific deadlines for filing lawsuits. For personal injury cases like car accident lawsuits, you have two years from the date of the accident. If youre dealing with damage to your vehicle but no injuries, you have three years to file.
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Can you file a car accident claim without a police report? StateHow Long You Have to Report Car Accident California 10 days Colorado Immediately/At the scene Connecticut Immediately/At the scene Delaware Immediately/At the scene47 more rows Mar 4, 2025
For comprehensive car insurance claims, which cover damage to your own vehicle and damage to others cars or property, there is generally no specific time limit. However, its advisable to contact your insurer as soon as possible following an accident to ensure smoother processing and reduce the risk of complications.
For personal injury cases like car accident lawsuits, you have two years from the date of the accident. If youre dealing with damage to your vehicle but no injuries, you have three years to file. However, if a government agency is involved in the accident, the time limit shrinks dramatically.

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