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This would be a state statue of limitations questions (physical damage or injury?) Regardless of that you shouldn't put off filing any insurance claim EVER... file it immediately, if you just want to know the answer, and there has been no claim, contact your agent, or dept of insurance for you state and they will be able to tell you the statue of limitation for your state.

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Q: How long do you have to file a damage claim against another's insurance?
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Can reposession company file a claim with your car insurance company to fix preexisting damage?

If your lien holder repo's your vehicle, they can file a claim against your insurance for damage to the vehicle. The repo company itself would have no claim, because it's not their vehicle.


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If your car insurance fails to settle a claim against you when your at fault what happens?

Your fault, your problem! Any amount of damage above the limits of your insurance policy is your responsibility. Pay attention when you drive!


Is it better to have the car insurance pay for damage after an accident or just pay cash?

Whether or not you should make a claim against your insurance depends on the amount of the damage. In this state, if you make a claim against your own collision insurance, your insurance will go up by several hundred dollars a year for three years, so you are talking a thousand dollars. Say you have $200 deductible. Then your break even point is about $1,200. If the other guy caused the accident, make his insurance pay!


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How do you claim auto insurance when you wrecked your car on your property?

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