The Impact of Delay in Filing a Car Accident Claim

Car accidents are never planned. Most people try to follow all traffic laws to avoid getting in a wreck, but even the best drivers may find themselves in this unfortunate situation. If you do, filing a prompt accident claim should be a top priority.

Legally, drivers must file an injury claim before their state’s statute of limitations expires, but waiting to file a claim with the insurance company can have serious consequences. It’s best to begin the process immediately. Keep reading to explore the possible negative impacts of a delayed auto accident claim.

A Denied Claim

As previously stated, states have a strict statute of limitations on filing an accident injury claim. For instance, Georgia allows a two-year window for people to file auto injury and other personal injury claims. Failure to adhere to these deadlines could forfeit the victim’s right to seek compensation.

However, waiting until right before the statute of limitations expires is never recommended. Most insurance policies have a clause that states claims must be filed within a set timeframe. Some even require drivers to report the accident within 24 hours. Be sure to read the small print of your auto policy before getting behind the wheel! Filing late could be grounds for the insurance company to deny your claim.

A Slow Settlement

Determining fault after an accident isn’t always straightforward. Car accident investigations take time, especially if injuries are involved. The process could take a few days or a few months. Further, insurers will search for any reason not to pay a fair settlement. Putting off filing an accident claim will only prolong the already time-consuming process.

How soon should a driver file a claim? A good rule of thumb is to call the insurance company as soon as the police leave the scene. At the very latest, report the accident once all parties are in a safe location. If the driver is in the hospital and unable to speak, a family member should notify the insurer to ensure a speedy settlement.

Costly Medical Treatment

Some accident victims walk away unscathed, but others might end up with mild to life-threatening injuries. Seeking prompt medical attention after a car accident is crucial for your health and well-being. It’s also vital for the success of your claim. However, doctor bills and hospital stays add up quickly. The average cost of a disabling motor vehicle injury is $155,000. Most people can’t afford to pay that out of pocket!

It’s not uncommon for car accident victims to delay filing an insurance claim. However, doing so could make the injured party responsible for all medical bills. The insurance provider might argue that the injuries were not severe or were caused by another event. Filing a claim right away creates a clear link between the accident and any medical damages, strengthening the injured party’s right to compensation.

In an Accident? File a Claim Today!

When is the best time to file an auto accident claim? Most insurers want drivers to begin the process immediately. Filing right away ensures the claim remains valid. It might even help the victim receive a better payout in the long run. Even if the insurance company doesn’t settle quickly, you’ll have peace of mind knowing your auto injury claim won’t get lost in the shuffle.

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