How long do I have to file an auto insurance claim?

Most insurers require you to report accidents 'promptly' or within a specific timeframe — often 24–72 hours for best results. Check your policy; some allow up to a year for certain claims, but delays can complicate the process.

Will filing a claim raise my insurance rates?

An at-fault accident claim typically raises rates for 3–5 years. Not-at-fault claims and comprehensive claims (theft, weather) may also raise rates depending on your insurer and state. Some policies include accident forgiveness for a first claim.

Do I need a police report to file a claim?

Not always, but a police report strengthens your claim significantly, especially for liability disputes, theft, or hit-and-run accidents. Always file a report for accidents involving injury or significant damage.

Auto Insurance Claims: What to Do Before, During, and After

June 29, 2026

How auto insurance claims work

An insurance claim is a formal request to your insurer (or the at-fault driver's insurer) to pay for covered losses from an accident. The process moves from reporting the incident, through investigation, to settlement.

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First-party vs. third-party claims

Understanding which insurer you're dealing with shapes the entire process:

First-party claim: You file with your own insurer (collision, comprehensive, PIP, MedPay). Your insurer has a contractual obligation to you.
Third-party claim: You file with the at-fault driver's insurer. That insurer's primary obligation is to their policyholder, not to you.

In general, first-party claims are faster and simpler. Third-party claims may require more negotiation, especially for injury compensation.

Frequently Asked Questions

How long do I have to file an auto insurance claim?: Most insurers require you to report accidents 'promptly' or within a specific timeframe — often 24–72 hours for best results. Check your policy; some allow up to a year for certain claims, but delays can complicate the process.
Will filing a claim raise my insurance rates?: An at-fault accident claim typically raises rates for 3–5 years. Not-at-fault claims and comprehensive claims (theft, weather) may also raise rates depending on your insurer and state. Some policies include accident forgiveness for a first claim.
Do I need a police report to file a claim?: Not always, but a police report strengthens your claim significantly, especially for liability disputes, theft, or hit-and-run accidents. Always file a report for accidents involving injury or significant damage.