How Long Do I Have to File a Claim for Accident Insurance?

You’ve been hurt in an accident, but with the injuries, doctors’ appointments, and keeping up with life, it’s been several months. Or maybe the accident was a year ago and you are just realizing that you have an accident insurance policy. Can you still file a claim with your insurance company? How long do you have to file a claim for accident insurance?  

When to Notify Your Insurance Company

Notify and file a claim with the insurance company that issued your accident insurance coverage as soon as possible. Accident insurance products are designed to help offset some of the expenses associated with ambulance rides, emergency treatment, hospital stays, intensive care units, and more. Remember, a time like this is why you have accident insurance coverage and when you likely need the policy benefits the most. The time after an accident might require missed work or unexpected medical bills. Any benefits you may receive from an accident insurance policy could help make a difference. Accident insurance is typically paid in a lump sum benefit. This allows the policyholder to use the benefits for any expenses that may arise after an accident.

Time Limits for Filing Insurance Claims

There are always cases of when the injured simply does not or cannot make an immediate claim to their insurance company. Some policies may require the policyholder to file a claim within a specific timeframe after the accident. Be sure to review the policy language for any time limits for filing a claim. Even if your policy does not include a time limit for filing a claim, it is recommended that you file your claim as soon as possible.
 
Part of the claim filing process will be completing claim forms and returning them to the insurance company. Claim forms are typically provided to you by your insurance company. You will need to complete the forms, attach required documents and, depending on the insurance company's requirements, have it notarized before sending it to your insurance company. The insurance company will review your claim in conjunction with your policy contract to determine whether you have experienced an accident within the terms of the policy.

If you have been injured in an accident, first seek the medical attention that is needed before contacting your insurance company. Be sure to maintain records of the accident, including any medical records and bills you incur. It is a good idea to be organized and prompt when filing a claim for accident insurance.