How Long Do I Have to Report My Accident to My Insurance Company?

insurance adjuster taking photos of car accident damage

Reporting your accident helps you build evidence for your claim, and it can also start the process of obtaining compensation. However, far too many people delay when it’s time to report the crash, and they often encounter numerous problems because of it.

Unfortunately, a delay can prompt insurance adjusters to try and deny your claim. To help you understand what your options are, we’ll explain the legal timeline you need to know about, as well as why it is so important to act quickly to file a claim.

Your Legal Timeline

While many states have statutes of limitations ranging from two to five years, Louisiana is unique in that you have one year from the date of your crash to file. You must take legal action within the one-year statute of limitations in order to protect your right to compensation.

If you don’t file your car accident case within the timelines set forth by state law, you may forfeit your right to receive any awards for your damages. There are very few exceptions to these timelines and working with a lawyer can help you better understand your rights.

Reporting Your Accident to Your Insurance Quickly

After a crash, you want to be sure you’re doing everything right. Reporting your accident to your insurance provider should be a top priority. Your insurance company can work with the responsible driver’s provider to determine liability and compensation.

To help your claim, report your accident to your insurance company as quickly as possible. The other driver’s insurance provider will look at any chance to deny your claim, and the more you wait, the more it can negatively impact your claim.

When it matters most, you need a strong advocate on your side to help you hold negligence accountable. At Parker Alexander, our Monroe car accident lawyers are committed to helping you during the most trying times. We’ll pursue the compensation you deserve.

Call our firm today at (318) 625-6262.

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