How Long After an Accident Can You Make a Claim?

Usually, after a car accident, people rush to claim for an insurance settlement. Generally speaking, it is always better to claim for the settlement as early as you can after an accident.

But it may not be possible all the time because after an accident, you may need to deal with a lot of issues other than just the accident claim.

So, you may wonder how long after an accident can you make a claim? Well, in this writing, we will let you know the accident claims act Alberta by which you will get the answer to this question. Keep reading.

When Should You File an Insurance Claim?

Generally, different insurance companies have different rules and policies. But the general rule is, when you are in a car accident, it is better to report it to your insurance company as soon as possible. It is also advisable if you can call the insurance company at the accident scene.

So that they can review the accident and determine the damages and losses. Even though calling the insurance company is not always possible after an accident. That is why you can take your time up to 24 hours after the accident.

In some cases, some insurance company has their own time policies and deadline. For instance, you need to file for the insurance claim within 20-30 days after the accident. If you fail to do that, you may not be able to get an accident claim from the insurance company. That is why it is important to know about your insurance company’s policies and strategies.

Things That You Need to Do Before Filing for the Accident Claim:

There are certain things that you should do before filing the insurance claim. Because when you rush to file the accident claim, you might make some mistakes in the process. As a result, the whole accident settlement claim can be nullified.

That is why it is strongly recommended to follow certain things before going for an insurance claim. Let’s look at the things that you need to do before an insurance claim:

  1. Call Emergency Department:

First and foremost, you need to call 911 immediately after an accident. Because when you call emergency, the police team will come to the accident scene to assist you. If any one of you needs any medical help or any emergency assistance, the police can help you.

Calling 911 is also very important because of the police report. The police report will cover all the necessary information and data about the accident scene. So, when you go for filing an accident claim from the insurance company, you may require to have the police report for further inspection.  

  1. Try to Gather All the Necessary Information:

It is also very important to collect all the necessary documents after the accident. Necessary documents often include the police report, the detailed information of both drivers, insurance policy information, and so on.

Moreover, you should take as many detailed pictures of the accident scene as possible. These pictures will serve as evidence at the court and for insurance claim. If possible, you can also create a whole diagram of the accident scene, which will help you to get all the necessary information in one place.

  1. Talk to Your Car Insurance Provider:

Contacting your car insurance company is very crucial and essential. If you cannot contact them in person, then you can call them over the phone. Even if you are guilty of that accident, you should inform your insurance provider.

So that you can claim for a third-party insurance settlement from your insurance provider, if you are unable to inform your insurance provider after an accident, someone else can also notify your insurance provider on your behalf.

  1. Inform Your Claim Adjuster:

When you take any sort of service from any insurance provider, they will assign you a claim adjuster. Usually, a claim adjuster will review your accident case and investigate the damages. After investigating, they will try to come in a middle ground, and you will get some compensation for the accident.

Finally, you should keep copies of all the necessary documents. Whether you need it for any future inquiries or not, you always keep at least one copy of all documents. Some important documents may include your medical bills, police report, and other relevant documents.

Can You File an Accident Claim Too Late?

This is one of the common questions that most people raise after an accident. The answer to this question is yes. You can file an accident claim after a few months of the accident. When you file an accident claim too late, it may affect the settlement amount.

Because by that time, you may be recovered from the damages that you had from the accident. But it is possible to file an accident claim. But the insurance adjuster will review your accident and take a close look at your accident. After that, if all those evidence shows that you deserve any compensation, then you will get some settlement amount from the insurance company.

Bottom line

Every territory has different laws and rules for personal injury or car accident injury. So before going to file for an accident claim, it is important to be aware of the personal injury lawsuit of your state or territory. Sometimes, dealing with such issues can be a scary experience.

That is why you can seek legal help from experts and professional injury lawyers. An expert injury lawyer will make sure to get a reasonable accident settlement from the insurance company. Hopefully, this writing helped you get the answer to your questions.