Accident Injury

When Can You Claim Accident Injury After a Car Crash?

Car accidents are stressful and can cause a lot of damage and suffering. So, it’s possible that you may not notice your injuries at that time. However, you can still claim for an accident injury even if it is not immediately visible. But, it’s important to note that there is a certain time limit for claiming, so you must take action within this period. 

In this guide, we will discuss when you can claim for an accident injury after a car accident so you can get the compensation you deserve.

Key Points to Consider Before Filing a Car Accident Claim

However, before filing a claim, there are some steps you should follow and one of them is to report a car accident. As a rule, it is best to report all accidents – major or minor – as it may be challenging to determine the extent of the loss at the time. Property damage and bodily harm can occur and may not be immediately observable. An accident report is important because it will enable the accident injury lawyers to support your prosecution of medical and repair bills at a later stage.

How Long Can I Take to Report an Accident to My Insurer?

The specifics of reporting car accidents to your car insurance company may differ. It should be noted that periods of reporting vary in different regions. Typically, this needs to be done within 30 days, but in some regions it must be done within 24 hours. 

The time limit may also vary depending on the nature of the damage. For example, the time to report a bodily injury claim might be less compared to the time to report property damage claims. Besides, it is also important to know the terms and conditions of your insurance company related to your policy. 

Knowing the time limits can help you decide if you need accident injury lawyers or if you can resolve the claim yourself.

How Long After a Car Accident Can You Claim Injury?

Curious about when you can claim injury after a car accident? The answer depends on the statute of limitations, which varies by state and insurer. Generally, the time allowed ranges between 2-6 years in most states before one is allowed to file a claim. For instance, if it is against the law in your state to file for a car accident injury claim after a two-year statute of limitations, you must ensure that you file yours within two years. All the states have their own time frame under the laws. So, you should know yours to be able to claim compensation with the help of car accident injury lawyers for damages incurred in a car accident.

What You Should Do Before Filing an Accident Injury Claim?

Here’s what you can do when preparing to file an accident injury claim:

  • Report the Accident: The initial thing to do after the accident, if you are able to, is to dial 911 and get the necessary help. People need to go to the hospital, especially if there is evidence of physical harm. Also, the police will come to the scene of the accident to assess the incident and file a report which is crucial in your car accident claim.
  • Gather Documentation: Gather all related information regarding the accident. This involves recording the names, phone numbers, and insurance information of all the parties involved. Capture pictures of the scene of the accident, the vehicles that were involved, and any visible bodily harm. These documents are very useful to your car accident injury lawyers in building strong cases in your favor.
  • Notify Your Insurance Company: The first thing you should do after an accident is to report it to your insurance company. Some insurers require reporting within a specific time frame, including without a claim, and often it must be done within 30 days of the accident. Always expect your insurer and also your lawyer for car accident injury to come looking for details and paperwork.
  • Communicate with Your Claims Adjuster: Your insurance firm will promptly appoint a claims adjuster concerning your case. Photocopy all the papers that are concerned with the accident, including medical reports, cost estimates for repairing the car, and letters to the insurer. Be honest and cooperate with your claims adjuster and provide relevant information and always follow up your claims adjuster. This cooperation ensures that there is a smooth flow from the stage of filing your claim to the final decision of your claim or appeal.

By following these steps, you can effectively prepare to file a car accident injury claim with your insurance company.