There is always a time limit to filing claims and Farmers Insurance claims are no exception to that rule. In case you were involved in an auto accident covered by your Farmers Insurance policy, it is of the utmost importance that you take some time out to understand how the time limit works in such cases. Up next, we will be exploring and answering some of the most common and important questions that people have after being involved and injured in an auto accident.
What Exactly is the Farmers Auto Insurance Claim Time Limit?
The Farmers Auto Insurance claim time limit defines the maximum amount of time you have to report the incident and file the insurance claim. The timer will start from the date of the accident, but there is no way to be sure when it will end without knowing the exact details, such as the specific policy you have signed up for and the applicable laws and regulations of the concerned state where the accident happened. In exceptional cases, extenuating circumstances might be cited if present to get an extension. Nevertheless, you will need to consult with your Farmers Insurance agent and inform them about the same as quickly as possible.
What is Most Crucial in Determining the Farmers Auto Insurance Claim Time Limit?
There are quite a few crucial factors here, but a lot depends on the state in question. In general, all of the following will play crucial roles in determining how much time you will have to file the claim after the accident.
The State – Different states have different regulations about auto insurance policies, so it will partially depend on which state is being discussed. If it is necessary to file a claim against the insurer or the party at fault for the accident, the lawsuit must be filed within the concerned state’s Statute of Limitations for personal injury and property damage.
There is also the question of whether the accident happened in a fault state or no-fault state. In some states, the fault might be shared between you and the other party. The compensation will be awarded based on your percentage of participation in actions that led to the accident. Other states will always have one party responsible for paying the other.
Statute of Limitation – As explained, the statute of limitation is going to be key if you need to bring legal action under the guidance of your auto accident lawyer to sue one or more parties for compensation. For example, the Statute of Limitation in the state of California is just two years for personal injuries, but you get three years to claim compensation for property damages. In Texas, you will have a total of two years to file a lawsuit against the party at fault for both personal injuries and/or property damages.
Personal Injury – One of the first things you should do after getting injured in an automotive accident is seek medical assistance. Get yourself thoroughly checked and be sure to keep all documents, prescriptions, bills, and medical reports. You will need them for everything related to your personal injury claim and your Farmers Auto Insurance claim.
You will also need them if you decide to sue any party involved. However, they will first play a key role in determining how much time you will have between the day of accident and your day of filing the claim. Serious injuries and debilitating medical conditions can stretch your time limit further than usual.
Vehicle Assessment and/or Repair Documents – When it comes to auto insurance, the condition of the car or cars involved in the accident will play a huge role. It will not only determine the time limit to file a claim, but those documents are going to be crucial in making a successful claim and proving your case later if you decide to sue someone who was involved in the accident. Even if you plan to get your car fully repaired, don’t forget to take photos before those repairs are completed. Consult with your motor vehicle accident lawyers for more information on how to proceed.
What is the Time Limit for Reporting an Accident to Law Enforcement?
You should always try to report the accident immediately if possible, or as soon as possible. The police report itself is an essential document and a mandatory requirement for filing claims in all states. It does not matter whether you are only filing for your Farmers Auto Insurance coverage or filing a lawsuit against the party at fault; you will need a police report. Therefore, it is best to never think about how long you may have to report to the police, and get it done as soon as you can.
However, it’s always best to call the local emergency line or 911 right after the accident. This is especially important if you are injured in the accident. Trying to get away from the scene of the accident without help can lead to medical and legal complications. For the sake of information, note that the time limit can be just 7-10 days or 20-30 days, depending on the state. Check with your car or truck accident lawyer for more information.
What are Your Options If You are Already Too Late File the Claim?
It is highly recommended that you try and maintain the time limit. In case that is no longer possible, contact Farmers Insurance and discuss your options with an agent. As already mentioned, there are several factors that can be used to lengthen the time limit, but most of those routes will need to go through a proper legal channel.
You can contact us at Karns & Karns Personal Injury and Accident Attorneys for free counsel from our best auto accident attorneys. You will be provided with a step-by-step guide on how to proceed for the best results. If you have a just case, we will take it on and fight for you to win the compensation you rightfully deserve.
