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gb298888 | How long can you wait to notify a insurance company about a potential claim? |
You know how an insurance tell there clients that they have to report a claim(personal injury/premise liablity) or something. Most insurance policies have a requirement that your notify the insurance company of any potential claim within a very short period of time after the incident occurs. I live in NY. How long can you wait to tell them? How much would that short period of time be? |
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sweetness1913
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ASAP. late reporting is a violation of your end of the contract and grounds for denial |
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kikidismom
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Most policies say you must "promptly" notify them or something like that but pick up the phone and call them. In most cases, if you don't report the claim and then they can't investigate it b/c the property is gone, sold, witnesses are unable to be found late, etc. they can deny you coverage for the loss b/c the delay prevented them from doing their investigation and verifying your loss or the damages. So get on the phone. and no, reporting a claim doesn't make your rates go up. The insurance company having to PAY on one does and the longer you wait the more likely that is to come out of your pocket instead of theirs. |
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Johnny
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Read your policy. A lot of policies have a specific time period. Some are as short as 30 days if it is a first party claim. |
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Phil
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As previously stated, you need to notify the company as soon as reasonably possible. If you delay, and this delay prevents the company from conducting a proper investigation, they can deny coverage for this claim.
Yes, your rates might go up. But you really don't want to try to handle a claim on your own. |
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avdhoot_in
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30 to 90 days |
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randomjog
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the general rule of thumb that i follow is: if you know about a potential claim against your own insurance carrier, the time to notify the insurance carrier is NOW. dont delay. delay probably works against you.
an exception to the rule might be found if you dont know the identity of your insurance carrier or whether the claim exists until after the policy's reporting period has expired. dont laugh, this comes up in commercial insurance practice all the time.
if the claim is by you against your own carrier, check the notice provisions of your policy. depending on your state's law, which i dont know, the notification period may or may not be valid or may be subject to modification.
some states require a strong showing of "prejudice" by the carrier that denies coverage based on a late notice defense. other states are more lenient to the carrier.
i dont know what the rules are in your state, so please contact an attorney familiar with your state's insurance laws. |
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sortaclarksville
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It probably varies by company, so I would just call them if I was you. I had an auto claim last year, and asked them how long could I go without filing (didn't have time to go get repair estimates) and they told me 1 year. However, I doubt you can go one year without reporting it. Reporting and filing are two different things. |
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