Insurance companies usually give a set amount of time to settle a claim. This time will vary from insurance company to insurance company. If it is necessary, they usually will re-open a case in the future. Do your due diligence, report your claim to your insurance company immediately. If the other vehicle had previous damage, report it to your insurance company. They should notate their system, so they can have their adjuster look for it. That is all you can do. The rest is up to your insurance company.

Remember, if this accident increases your auto insurance premiums, you can click here to get a auto insurance quote to compare your rates.