Agent, Rural Mutual Insurance Co., Union Grove, WI
In order to prevent any delays in having your claim paid you should advise your carrier of the incident causing the claim as quickly as possible. Most carriers state that they want to receive notification of all claims within 14 days of the incident. This may vary from state to state as each state sets their own regulations for the insurance carriers in that state.
The best answer that I can provide: "As soon as practicable."
This is the best answer I can provide because each insurance contract details under the common policy conditions when a claim must be reported.
Typically, most contracts require that you report it as soon as you possibly can (i.e. as soon as practicable). Moreover, in addition to when you must report the claim you have too look at what other conditions must be met, like preservation of property, filing a police report and cooperating with the insurance company.
Retired Agent and Broker, Self Employed, Albany NY USA
Depends on what type of 'claim' it is. Liability? No Fault? Comprehensive? Collision? A claim against your policy? Presenting a claim against someone else's policy? Is this a bodily Injury or property damage liability claim? and on and on. This is too general of a question for a short answer. In the auto insurance policy (a legal contract) there is a section (usually near the end of the declarations and forms) outlining the conditions for reporting or bringing a claim againt the policy. This section will give the guidelines. A recommendation - report all losses or potential claims to your carrier as soon as reasonably possible if not immediately. Regarding a vehicle collision, always contact law enforcement and get plate numbers, descriptions of vehicles, occupants, and names, addresses, and telephone numbers of any witnesses. Please re-submit another question with more details for a more specific answer.
Agency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482
Generally speaking, insurance companies will state in their policies that in the event of a loss, you should contact them immediately about the claim. And it is in your best interest to do so. If you have a car accident and report the claim promptly, you will have your car back and in good shape rather quickly and without any elevated risk of hassle. On the other hand if you wait until the rust starts to form, you will find that the initial damage will be covered, but not the extra costs to repair the damage caused by time.
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This is the best answer I can provide because each insurance contract details under the common policy conditions when a claim must be reported.
Typically, most contracts require that you report it as soon as you possibly can (i.e. as soon as practicable). Moreover, in addition to when you must report the claim you have too look at what other conditions must be met, like preservation of property, filing a police report and cooperating with the insurance company.
I hope this helps.