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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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Earn +20 ptsQ: How long do you have to file a damage claim against another's insurance?
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