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Auto Insurance Claims/Filing An Auto Accident Claim

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Expert: - 12/11/2010


Question
I live in Texas and I was recently involved an auto accident. I was hit from behind and was not at fault. I am waiting on the police report. How long do I have to file a claim on the insurance of the gentleman who caused the accident?

Answer
Hi Graham,

There is no specific time limit. The only requirement is that it is reported "as soon as possible". So if you already know the name of the insurance companyt and have some basic information on the driver, you should go ahead and call the insurance company and report the claim. You can always send them a copy of the police report when you get it. This will speed up the process because the insurance company will nto pay the claim until they speak to their insured. Getting things started early will allow them some time to make contact with their insured driver.

I hope this helps
Richard Hixenbaugh

Auto Insurance Claims

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Richard Hixenbaugh

Expertise

Auto insurance claims procedure, auto coverage, liability issues, auto damage questions, how to deal with the insurance company, loss of use and diminished value.

Experience

I have been involved in the insurance industry for over 25 years. I have experience in underwriting, sales, claims adjusting, auto damage estimating, auto value appraising and diminished value appraising. I have testified as an expert witness over 35 times.

Organizations
Society of Certified Auto Appraisers

Education/Credentials
Completed all required courses for the Florida Property-Casualty agents license and the Florida claims adjusters license. I have attended various courses on auto damage estmating, vehicle appraising and am ASE certified in collision damage analysis.

Past/Present Clients
My company has done work for consumers nationwide.

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