How Long After an Accident Can You File a Claim?

Many policies require that you report claims as soon as practicable following the incident. If possible, contact the police from the accident scene if the loss involves another driver or results in property damage or personal injury.

It can be helpful if you are safely able to collect information from the other driver, including the driver's license, name, address, phone number, insurance information, and license plate number. Take pictures, if safe, and collect other relevant details in writing.

When reporting a claim, be prepared to provide:

  • The officer's name, badge number, and police report number.
  • Contact information of those involved in the accident, including their name, address, phone number, insurance carrier, and policy number.
  • Make and model of other vehicles involved.
  • Photos of the damage and any essential details, such as the weather conditions.

You should notify your insurance company as soon as possible to provide details. It can help your insurer begin the investigation and quickly arrange rental reimbursement and repairs.

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The information and descriptions on this site are general in nature. The coverage afforded for a particular loss depends on the specific facts and the terms, exclusions, and limits of the actual policy. Nothing on this site alters the terms or conditions of any policy, as the policy controls coverage. Coverage options, limits, discounts, deductibles, and other features are subject to underwriting criteria, state availability, and effective dates. Coverage provided and underwritten by NJM Insurance Company and its subsidiaries, 301 Sullivan Way, W. Trenton, NJ 08628.