How Long Can You Wait to File a Car Insurance Claim?

Posted on: Dec 12, 2023 | | Written by:

How Long Can You Wait to File a Car Insurance Claim?

Publication date: December 12, 2023. EST READ TIME: 3 MIN

It's always wise to opt for comprehensive car insurance . Moreover, having coverage, even if you never need to use it, is far better than the alternative. However, unforeseen circumstances, such as accidents, damage, or theft, can necessitate filing a claim. In such cases, acting quickly and informing your insurance company immediately is crucial to ensure a smooth claim process.

Is There a Time Limit for Submitting an Insurance Claim?

Different companies follow different guidelines about setting time limits for filing a claim. If you have purchased car insurance online , several insurers provide the option to complete the entire claim process online. Most insurance providers suggest you do it within 48-72 hours, though some may also set shorter timelines.

Considering the situation's urgency, the insurance companies allow you to file a claim via different communication channels. You can call the insurance company on the phone or file the claim using a web portal or mobile phone app.

How long can you wait to file a car insurance claim is something you always need to consider because it will directly impact your claim guarantee. Insurance companies need to ascertain the facts of the event out of which the claim has arisen. So, if a lot of delay is made in filing the claim, this process can get delayed.

What Happens If You Forgot to File Claim In a Decided Timeframe?

Sometimes, filing a delayed insurance claim turns into a game of chance. You might face a situation where the insurance company can’t fully process your claim or, worse, denies it entirely. It's like holding a winning lottery ticket only to find out the prize is much less than what you hoped. You've got comprehensive coverage, but still, you end up with just a slice of what you should have received. Not exactly the ideal outcome, right? So, filing your claim within the stipulated timeframe is always prudent.

Conclusion

The crux of the story is that if you need to make a claim on your car insurance policy, you should start the process promptly and not cause unnecessary delays.

Disclaimer: The above information is for illustrative purposes only. For more details, please refer to the policy wordings and prospectus before concluding the sales.

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