How Long do I Have to File an Accident Claim?

While you may have up to three years to file a personal injury lawsuit, a car accident claim with your insurer needs to be filed as soon as possible.

No one expects to be involved in a car accident. It is natural to be in a state of shock in the aftermath. If you suffered serious injuries, you may be in the hospital or busy attending doctor visits. If your injuries were relatively minor, you may simply be eager to put the incident behind you. However, one of the most important things you must do in the aftermath of any crash or collision is to file a claim with your insurance company. Not doing so right away could impact your rights to compensation.

File a Claim Immediately with Your Insurer

Any time you are involved in a crash resulting in injuries or property damage, you need to report it immediately to local or state police so that a New Mexico Uniform Traffic Report can be filed. In addition to being required by law, this provides important information you need when filing a car accident insurance claim.

While there is no specific time frame associated with these types of claims, you want to inform your insurer of the accident as soon as possible. Not doing so is likely a violation of your policy agreement and could jeopardize your rights in seeking compensation.

Your insurer will want to know the details of the accident and the other drivers involved. They will also want to send an insurance adjuster to the accident scene and to wherever your vehicle is located in order to assess the damage. They will also want access to records from your medical provider, detailing any injuries you suffered. Failing to report the accident or to file a claim right away could cause the following to occur:

Your Options in Pursuing a Personal Injury Claim

If you are unable to obtain a reasonable settlement through the insurer or the at-fault driver lacked coverage, you may be entitled to file a personal injury claim. Under the New Mexico Statutes, you have up to three years after the accident to initiate a lawsuit. While this may seem like a long period, you will need to allow as long as six months or more for insurance negotiations and additional time for your car accident attorney to investigate your case and file the appropriate legal documents. Missing this deadline will mean you forfeit all rights in claiming compensation.

Contact Albuquerque Car Accident Attorney Ed Chavez, Jr. Today

If you have been in a car accident, do not delay. Contact the Law Offices of Edward Chavez, Jr. and request a consultation today to discuss your rights in filing a claim.