How Long Do I Have To Report a Car Accident to Insurance?

If you were in a collision, you may be facing property damage and mounting medical bills. Receiving compensation from the at-fault party’s insurance provider would help you cover those expenses.

Whether your car was dented or totaled, and whether you suffered whiplash or a traumatic brain injury, it is critical to notify the insurance company promptly. Speak with our attorneys to learn how long you have to report a car accident to insurance.

Is There a Specific Legal Deadline To Report an Accident to Insurance?

No. While Georgia law does not specify how long you have to notify insurers of a car wreck, waiting more than a few days can result in denials, coverage issues, and difficulty collecting evidence. That is why our attorneys suggest that you avoid delays and report your car accident to your insurance company within 24 to 48 hours. Even if you do not plan to file a claim immediately, you should notify your insurance company or the at-fault party’s policyholder as soon as possible.

Do I Need To Document the Accident With Law Enforcement?

In most cases, you should document the accident with law enforcement. Under Official Code of Georgia Annotated § 40-6-273, you are required to file a police report if the collision causes death, injury, or property damage exceeding $500. With the rising costs of vehicle repairs, most accidents easily meet this threshold, and a police report can serve as critical evidence to strengthen your claim. This official report documents the car wreck and can help you file an insurance claim on time. Failing to document your accident can lead to legal penalties, such as fines and points on your driving record.

Is There a Statute of Limitations on Personal Injury Claims?

Yes. Georgia does limit how much time you have to file an insurance claim after a car crash. You have two years to file a lawsuit for personal injury and four years for property damage. The filing period generally begins on the date of the accident. Once this strict deadline expires, you lose your right to recover compensation for your damages.

Learn More About the Timeline for Reporting a Car Wreck to Insurance

Now that you know how long you have to report a car accident to insurance, you can reach out to Smith Hulsey Law for guidance. We are lawyers of the people and have recovered millions of dollars for accident victims over the years.

Consulting our skilled attorneys from the beginning can make the legal process smoother. Contact us today for help reporting a car accident to your insurance company, handling communications, and fighting against low settlement offers.