The only time you don’t have to file an accident report is if property damage is less than $500 and there are no injuries. For instance, in New Jersey, you have 10 days from the date of the accident to file an accident report. lawsuit deadlinesĬar insurance claim deadlines are usually much shorter than lawsuit deadlines. While most accident claims are complete once you file your claim with your insurance company, you may want to speak with an attorney if you can’t come to an agreement with the insurance company on fair compensation.Ĭar insurance claim deadlines vs. Read your insurance policy or ask your agent to find your carrier’s claims filing deadline. Insurance companies have their own claim filing deadlines, which are usually within 24 hours of the accident but can be 30 days or more. How long do you have to file an insurance claim? Waiting without a legitimate reason can raise doubt for the insurance company, which increases your chances for the claim to be denied. The longer you wait, the higher the chances are that the insurance company will investigate and potentially deny your claim. How long after an accident can you file a claim or lawsuit?įile a claim or lawsuit immediately after an accident. Use this guide to understand the specifics about filing an insurance claim or lawsuit in New Jersey, plus learn the steps you will need to take to file a claim. If you wish to file a lawsuit, you have up to two years for an injury claim and six years for a property damage claim. New Jersey requires you to file an accident report within 10 days of the accident. But, how long after the accident can you wait to file a claim? What could happen if you wait too long? If you happen to get into a car accident, you will likely want to file a claim right away.
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