Most insurance policies state that in the event of a loss, notice should be given to the insurance company promptly. No specific time is noted. You should notify your insurance company of a loss immediately if you have been in an accident and need to file a claim, if you have not already.
If you have delaying in reporting the accident and filing a claim you should be prepared to explain why you delayed reporting the loss. A licensed claims adjuster will determine if you have coverage for the loss.
Insurance policy terms and state laws vary as to how long you can wait to make a claim or if you end up having to sue an at-fault driver for an accident. So check with your agent about how long you have to report an accident and file a claim with your own insurance provider. You can also contact your state's insurance regulator to find out about state laws that relate to how long you have to file a claim or file a lawsuit if need be.
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