How long do I have to report an auto claim?

How long do I have to report an auto claim?

Three months ago I hit a pillar avoiding a toddler in a parking garage, not that that matters, but whatever. I had JUST gotten insurance (like 2nd payment just) so I didn'-t want to make a claim. So I went to garages and got quotes and since it was $1600-2400 I figured I'-d save up for it. It'-s not looking like I'-m going to do that right away and I'-m worried that the vehicle will rust etc. Can I still make a claim or is it too late?I'-m in AB, Canada and I'-m with TD. Any advice would be appreciated.


I don't think this would differ provincially, but I checked with a claims adjuster at Canada's largest home and auto insurer, Intact (the adjuster works in Ontario). In all likelihood, your claim will be covered. I am told that claims are routinely reported late in many cases. For example, someone hits a bump in the road, and realizes 2-3 months later that the undercarriage of the car is damaged. It could be for any other reason as well. The only case where you could have problems is if the insurance company suspects that the damage was pre-exisiting (before you signed up for the policy). But as long as your story lines up with the extent of damage, you should be fine. Just be direct and honest as to why you didn't report the claim. Keep in mind that, because this is single vehicle accident, it is at fault for you, and could affect your rates, or you eligibility for insurance in future depending on your past record.Insurance exists to compensate you for accidental damage to your property, and as long as the accident happened after the policy started, even one day, it should be covered.Source(s):Checked with a claims adjusterCIP (Chartered Insurance Professional)



Popular Q&A

What is the best way to relocate from one state to another?
Not too hard but requires planning. SO, for auto insurance simply ask for a quote from your current company based on the city you want to live. If they require an address, find an address based on a location you MIGHT want to live. Housing is easy to find on-line and you will have to rent...

Can someone sue my home owners insurance if I was in a car accident ?
Your homeowners insurance will deny this claim. This is an auto claim. You have nothing to worry about. Why did your auto insurer deny his claim? Did you not have the appropriate coverage?

What are the top three car insurance companies in Ontario?
Regardless of who you decide to use, amounts will vary depending on what kind of coverage will you have. Just Liability?Collision?Theft?Vandalism? it all depends on your driving records, the state you live in and how long you are willing to search around...Just take some quotes online, phone...

Are cars at an Insurance Auto Auction repaired before being sold to the public?
I somehow don't think you really understand what a salvage title is, you want to play Russian roulette with your life go ahead.If you went shopping for a chair that cost $100. and right next to it the identical chair $40. but the sticker said all 4 legs were broken at one point but now glued...

What military banks have the best rates?
As far as having the "best" interest rates on your Checking/Saving/CD Account, Navy Federal Credit Union has a bit better rates (and more locations than Marines Pacific CU), because it is a "Credit Union," and not, a "Commercial Bank." If you have ever taken a Money and Banking Class, you would...