How Long Do I Have to File a Claim for Auto Insurance?

When it comes to finding out how long you have to file a claim for auto insurance, it’s important to understand that not only do insurance company policies vary on this point; but state rules and regulations may also dictate longer or shorter periods of time. For example, if you live in Texas, you may have a longer grace period during which you can file your claim than if you live in a different state. But no matter where you live, the rule of thumb is to always file as soon as possible.

Whether you’ve been involved in a collision, your car’s been broken into, or a falling branch busted your windshield, the first thing you should do is call your auto insurance company. Their customer service department will provide you with detailed instructions on how to file a claim, including what information you’ll need, such as a police report, as well as how long you have to file the claim. Of course, it’s always best to review all terms and conditions of your policy before signing so you’re familiar with the basic protocols have at least an overview in the event of an incident. Remember: failure to comply with your insurer’s regulations may result in your claim being dismissed, so follow all instructions to the letter and don’t postpone filing the claim!