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Car insurance claims are how you get compensated for damages, injuries, and more.
An insurance claim is a request to an insurance company to receive compensation for lost wages, injuries, repairs, and other losses that occurred as a result of a car accident or incident like vandalism.1
If you get into an accident, whether or not it’s your fault, you’ll probably make an insurance claim, either a first-party claim with your own provider or a third-party claim with someone else’s. When you file an insurance claim, it could be covered, meaning you’ll be financially compensated, or not covered, meaning you’ll have to pay out of pocket. But what is an insurance claim in the first place?
Insurance claims begin when you file a claim. Then, the insurer investigates that claim to see if your policy covers it and to determine who was at fault. You may have to pay a deductible before the insurer contributes to your expenses if the claim falls under collision or comprehensive insurance. Otherwise, insurance companies will pay covered claims up to your limit. If the claim isn’t covered, you’ll have to pay for the costs out of pocket.
Different types of insurance claims that apply to different car insurance coverage types. While this isn’t a complete list, here are the most common types of insurance claims based on coverage options.
Claim types also break down into first-party claims that you file with your own insurance company, third-party claims that you file with someone else’s insurance company, and subrogation claims, which try to retrieve compensation for losses you didn’t cause.
To receive compensation on time, file your claim ASAP, after you’ve collected all the evidence you need (more on this below).
Legally, it’s important that you file a claim within your state’s statute of limitations for property damage or personal injury claims. Otherwise, your insurance company will deny your claim.
State | Statute of limitations for property damage claims (in years) | Statute of limitations for personal injury claims (in years) |
---|---|---|
Alabama | 2 | 2 |
Alaska | 2 | 2 |
Arizona | 2 | 2 |
Arkansas | 3 | 3 |
California | 3 | 2 |
Colorado | 3 | 3 |
Connecticut | 2 | 2 |
Delaware | 2 | 2 |
District of Columbia | 3 | 3 |
Florida | 4 | 4 |
Georgia | 4 | 2 |
Hawaii | 2 | 2 |
Idaho | 3 | 2 |
Illinois | 5 | 2 |
Indiana | 2 | 2 |
Iowa | 5 | 2 |
Kansas | 2 | 2 |
Kentucky | 2 | 1 |
Louisiana | 1 | 1 |
Maine | 6 | 6 |
Maryland | 3 | 3 |
Massachusetts | 3 | 3 |
Michigan | 3 | 3 |
Minnesota | 6 | 2 |
Mississippi | 3 | 3 |
Missouri | 5 | 5 |
Montana | 2 | 3 |
Nebraska | 4 | 4 |
Nevada | 3 | 2 |
New Hampshire | 3 | 3 |
New Jersey | 6 | 6 |
New Mexico | 4 | 3 |
New York | 3 | 3 |
North Carolina | 3 | 3 |
North Dakota | 6 | 6 |
Ohio | 4 | 4 |
Oklahoma | 2 | 2 |
Oregon | 6 | 2 |
Pennsylvania | 2 | 2 |
Rhode Island | 10 | 3 |
South Carolina | 3 | 3 |
South Dakota | 6 | 3 |
Tennessee | 3 | 1 |
Texas | 2 | 2 |
Utah | 3 | 4 |
Vermont | 3 | 3 |
Virginia | 5 | 2 |
Washington | 3 | 3 |
West Virginia | 2 | 2 |
Wisconsin | 6 | 3 |
Wyoming | 4 | 42 |
In some cases, the statute of limitations may be shorter than the above data, such as if the accident involved …
States where bars are legally responsible for allowing customers to drive drunk have dram shop laws.3
That being said, there are some universal exceptions to the statute of limitations, like if the defendant meets any of the following conditions:
You might also come to a tolling agreement with the defendant and waive your statute of limitations to avoid court.
But in most cases, adhere to your state’s statute of limitations or, better yet, file your claim as soon as you can, whether or not the car accident was your fault.
Filing an insurance claim form is a straightforward process.
Car insurance provider | Email address | Phone number | Postal address | URL |
---|---|---|---|---|
21st Century | claimsdocuments@farmersinsurance.com | 888-244-6163 | P.O. Box 268994 Oklahoma City, OK 73126-8994 Medical/PIP documents involving FL, NJ, NY: P.O. Box 268995 Medical/PIP documents involving all other states: P.O. Box 268993 |
www.21st.com/contact-21st-century-insurance.htm |
AAA | N/A | Enter ZIP code to find claims number: www.aaa.com/stop/ |
The Auto Club Group Claim Department P.O. Box 9001 Royal Oak, MI 48068-9826 |
www.aaa.com/stop/ |
AARP | N/A | 800-243-6860 | The Hartford P.O. Box 14219 Lexington, KY 40512 |
https://www.thehartford.com/aarp/car-insurance/how-to-file-claim |
Allstate | N/A | 800-255-7828 | Allstate Insurance Company P.O. Box 660636 Dallas, TX 75266 |
www.allstate.com/auto-insurance/auto-claims-info.aspx |
Amica | maip@amica.com | 800-242-6422 | Amica Scan Center P.O. Box 9690 Providence, RI 02940-9690 |
www.amica.com/en/customer-service/contact-us.html |
Autopom | info@autopom.com | 800-654-8455 | Autopom Office 22651 Lambert St., Suite 102 Lake Forest, CA 92630 |
www.extended-vehicle-warranty.com/mercury-insurance-claim/ |
Bristol West | N/A | 800-274-7865 | Bristol West Claims Service P.O. Box 258806 Oklahoma City, OK 73125-8806 |
www.bristolwest.com/home/claims |
Carchex | N/A | 877-227-2439 | Carchex 118 Shawan Road, Suite 210 Baltimore, MD 21030 |
www.carchex.com/auto-warranty/how-to-file-a-claim/ |
Carshield | ClaimsDocs@americanautoshield.com | 800-531-1925 | 1597 Cole Blvd., Suite 200 Lakewood, CO 80401-3418 |
https://americanautoshield.com/report-a-claim/ |
Clearcover | support@clearcover.com | 855-444-1875 | Clearcover Insurance Agency LLC 33 W. Monroe St., Suite 500 Chicago, IL 60603 |
https://clearcover.com/claims/ |
Concord | N/A | Maine: 800-482-7443 Massachusetts: 800-422-5246 New Hampshire: 800-888-6050 Vermont: 800-660-3838 |
Concord Corporate Office 4 Bouton St. Concord, NH 03301 |
www.concordgroupinsurance.com/claims/report-a-claim |
Dairyland | N/A | 800-334-0090 | Dairyland Insurance Co. 1800 N. Point Drive Stevens Point, WI 54481 |
www.dairylandinsurance.com/auto/claims |
Direct | N/A | 800-403-1077 | Direct Auto Insurance Claims Department P.O. Box 1623 Winston-Salem, NC 27102 |
www.directauto.com/claims/make-a-claim |
Endurance | N/A | 877-414-0134 | Endurance Corporate Headquarters 400 Skokie Blvd., Suite 105 Northbrook, IL 60062 |
www.endurancewarranty.com/learning-center/company-resources/best-practices-for-filing-a-claim-with-endurance-warranty/ |
Erie | N/A | 800-367-3743 | Erie Branch Claims Office P.O. Box 13002 Erie, PA 16514-3002 |
www.erieinsurance.com/support-center/claims/auto |
Esurance | N/A | 800-378-7262 | Esurance Customer Service P.O. Box 5250 Sioux Falls, SD 57117-5258 |
www.esurance.com/file-a-claim-online |
Farmers | N/A | 800-435-7764 | Farmers Customer Service 6301 Owensmouth Ave. Woodland Hills, CA 91367 |
www.farmers.com/cmp/s/filealoss?SO=01 |
Foremost | imaging@foremost.com | 800-274-7865 | Overnight Mail Foremost – Box #915 c/o Citibank Lockbox Operations 8430 W. Bryn Mawr Ave., Third Floor Chicago, IL 60631 |
https://claims.bristolwest.com/cmp/s/filealoss?SO=04 |
GAINSCO | gainsco.services@gainsco.com | 866-424-6726 | GAINSCO Inc. P.O. Box 199023 Dallas, Texas 75219-9023 |
www.gainsco.com/customers/report-a-claim/ |
GEICO | N/A | 800-841-3000 | Office locator: https://www.geico.com/contact-us/mail/ |
www.geico.com/claims/ |
GMAC | Claims@NGIC.com | 800-468-3466 | N/A | https://claims.nationalgeneral.com/report |
Good2Go | Claims@good2go.com | 800-727-6664 | Good2Go Auto Insurance P.O. Box 1930 Blue Bell, PA 19422-0479 |
https://mypolicy.good2go.com/account/login# |
Infinity | customer.service@ipacc.com | 800-334-1661 | Infinity Insurance 200 E. Randolph St., Suite 3300 Chicago, IL 60601 |
www.kemper.com/claims/report-a-claim |
Kemper | customer.service@ipacc.com | 888-253-7834 For California customers: 800-508-5833 (formerly Alliance United) 800-234-3606 (formerly Kemper Specialty California) |
Kemper Claims P.O. Box 2855 Clinton, IA 52733 |
www.kemper.com/claims/report-a-claim/report-a-claim-auto |
Lemonade | carclaims@lemonade.com | 844-733-8666 (for claim emergencies) | Lemonade Insurance Agency LLC 5 Crosby St., 3rd Floor New York, NY 10013 |
www.lemonade.com/car |
Liberty Mutual | N/A | 800-225-2467 | Liberty Life Assurance Company of Boston 100 Liberty Way Dover, NH 03820 |
https://fileaclaim.libertymutual.com/ |
Mercury | N/A | 800-503-3724 | Mercury Insurance 1700 Greenbriar Lane Brea, CA 02921 |
www.mercuryinsurance.com/claims/auto-claim.html |
MetLife – Farmers Auto | N/A | 800-435-7764 | Farmers Insurance Customer Service 6301 Owensmouth Ave. Woodland Hills, CA 91367 |
www.farmers.com/cmp/s/filealoss?SO=01 |
Metromile | N/A | 888-595-5485 | Metromile Inc. 425 Market St., Suite 700 San Francisco, CA 94105-5418 |
https://claims.metromile.com/ |
Nationwide | N/A | 800-421-3535 | Nationwide Headquarters One Nationwide Plaza Columbus, OH 43215-2220 |
https://claimsselfservice.nationwide.com/claims/index.html#/file-claim |
Omega | contactus@omegaautocare.com | 877-850-0443 | 5300 W. Cypress St., Suite 155 Tampa, FL 33607 |
www.omegaautocare.com/claims/ |
Plymouth Rock | rockcare@plymouthrock | 844-346-1225 | Plymouth Rock Assurance P.O. Box 55165 Boston, MA 02205 |
https://efnol.plymouthrock.com/#/login |
Progressive | N/A | 800-776-4737 | The Progressive Corporation 6300 Wilson Mills Road Mayfield Village, OH 44143 |
www.progressive.com/claims/auto-process/ |
Protect My Car | N/A | 844-256-4762 | 570 Carillon Parkway, Third Floor St. Petersburg, FL 33716 |
https://blog.protectmycar.com/claim-protect-my-car |
Root | help@joinroot.com | New claims: 866-980-9431 Existing claims: 866-489-1985 |
Root Insurance Claims Department 80 E. Rich St., Suite 500 Columbus, OH 43215 |
www.joinroot.com/claims/ |
Safeco | N/A | 800-332-3226 | Safeco Insurance P.O. Box 91016 Chicago, IL 60680-1016 |
https://fileaclaim.safeco.com/ |
State Farm | N/A | 800-732-5246 | State Farm Insurance Companies Insurance Support Center – East P.O. Box 588002 North Metro, GA 30029 |
www.statefarm.com/claims/file-a-claim |
The General | customersupport@thegeneral.com | 800-280-1466 | The General P.O. Box 305054 Nashville, TN 37230-5054 |
www.thegeneral.com/car-insurance/basics/claims/ |
Toco | info@tocowarranty.com | 855-298-8626 | Toco Warranty 8501 Fallbrook Ave., Suite 225 West Hills, CA 91304 |
www.tocowarranty.com/file-a-claim |
Travelers | N/A | 800-252-4633 | Travelers Personal Insurance P.O. Box 660307 Dallas, TX 75266-0307 |
www.travelers.com/claims/report-claim |
USAA | N/A | Shortcut mobile number: #8722 210-531-8722 or 800-531-8722 |
USAA 9800 Fredericksburg Road San Antonio, TX 78288 |
www.usaa.com/inet/wc/auto-insurance-claims |
The claims process looks different based on whether you are filing a claim against someone else, or someone else is filing a claim against you.
If you are filing a claim against someone else, you’re filing a third-party claim with their insurance company. Their insurer will investigate the claim and offer a settlement accordingly. To settle the claim, you’ll need to sign a release for damages. The amount you’ll receive also depends on your state’s negligence laws.
State | Type of negligence law |
---|---|
Alabama | Contributory |
Alaska | Pure comparative |
Arizona | Pure comparative |
Arkansas | Modified comparative |
California | Pure comparative |
Colorado | Modified comparative |
Connecticut | Modified comparative |
Delaware | Modified comparative |
Washington D.C. | Contributory |
Florida | Pure comparative |
Georgia | Modified comparative |
Hawaii | Modified comparative |
Idaho | Modified comparative |
Illinois | Modified comparative |
Indiana | Modified comparative |
Iowa | Modified comparative |
Kansas | Modified comparative |
Kentucky | Pure comparative |
Louisiana | Pure comparative |
Maine | Modified comparative |
Maryland | Contributory |
Massachusetts | Modified comparative |
Michigan | Modified comparative |
Minnesota | Modified comparative |
Mississippi | Pure comparative |
Missouri | Pure comparative |
Montana | Modified comparative |
Nebraska | Modified comparative |
Nevada | Modified comparative |
New Hampshire | Modified comparative |
New Jersey | Modified comparative |
New Mexico | Pure comparative |
New York | Pure comparative |
North Carolina | Contributory |
North Dakota | Modified comparative |
Ohio | Modified comparative |
Oklahoma | Modified comparative |
Oregon | Modified comparative |
Pennsylvania | Modified comparative |
Rhode Island | Pure comparative |
South Carolina | Modified comparative |
South Dakota | Slight-gross negligence comparative |
Tennessee | Modified comparative |
Texas | Modified comparative |
Utah | Modified comparative |
Vermont | Modified comparative |
Virginia | Contributory |
Washington | Pure comparative |
West Virginia | Modified comparative |
Wisconsin | Modified comparative |
Wyoming | Modified comparative |
What do these negligence laws mean?
Third-party insurance claims won’t affect your car insurance rates.
If the third-party insurer denies your claim, you can appeal with a civil or small claims suit.6
If someone else makes a claim against you, your provider will do the same: investigate the claim and determine fault. If the accident was your fault, you will be liable for both property damage and bodily injuries in at-fault states, or just property damages in no-fault states.
Any insurance company has certain responsibilities when it comes to claims; they can’t just ignore claims or not investigate them. They are required to take the following actions:
One of the biggest car insurance FAQs we get is “How long will an insurance claim take?” Unfortunately, we don’t have a direct answer to that, as the length of time depends on the type and severity of the claim. Expect to wait anywhere from a few weeks to a few months for a settlement.8
Companies can pay claims either by paying a repair shop directly or by reimbursing you for your losses. This could be in the form of a check or direct deposit.
Did your insurance company deny your claim completely, or refuse to compensate you for all of your losses? If so, you can appeal their decision:
State | URL | Phone number | Mailing address |
---|---|---|---|
Alabama | http://www.aldoi.gov | 334-269-3550 | 201 Monroe St., Suite 502 Montgomery, AL 36104 |
Alaska | https://www.commerce.alaska.gov/web/ins/ | 907-269-7900 | 550 W. Seventh Ave., Suite 1560 Anchorage, AK 99501-3567 |
Arizona | https://insurance.az.gov/ | 602-364-3100 | 100 N. 15th Ave., Suite 261 Phoenix, AZ 85007-2630 |
Arkansas | https://insurance.arkansas.gov/ | 501-371-2600 | 1 Commerce Way Little Rock, AR 72202 |
California | http://www.insurance.ca.gov | 800-927-4357 | 300 S. Spring St., South Tower Los Angeles, CA 90013 |
Colorado | https://doi.colorado.gov/ | 303-894-7499 | 1560 Broadway, Suite 850 Denver, CO 80202 |
Connecticut | https://portal.ct.gov/cid | 860-297-3900 | 153 Market Street, 7th Floor Hartford, CT 06103 |
Delaware | https://insurance.delaware.gov/ | 302-674-7300 | 1351 W. North St., Suite 101 Dover, DE 19904 |
District of Columbia | http://www.disb.dc.gov | 202-727-8000 | 1050 First St., NE, 801 Washington, D.C. 20002 |
Florida | http://www.floir.com | 850-413-3140 | The Larsen Building 200 E. Gaines St., Room 101A Tallahassee, FL 32399-0301 |
Georgia | https://oci.georgia.gov/ | 404-656-2070 | 2 Martin Luther King Jr. Drive West Tower, Suite 702 Atlanta, GA 30334 |
Hawaii | http://cca.hawaii.gov/ins/ | 808-586-2790 | P.O. Box 3614 Honolulu, HI 96811 |
Idaho | http://www.doi.idaho.gov/ | 208-334-4250 | 700 W. State St., 3rd Floor Boise, ID 83720-0043 |
Illinois | https://insurance.illinois.gov/ | 217-782-4515 | 320 W. Washington St. Springfield, IL 62767-0001 |
Indiana | http://www.in.gov/idoi | 317-232-2385 | 311 W. Washington St., Suite 300 Indianapolis, IN 46204-2787 |
Iowa | https://iid.iowa.gov/ | 515-654-6600 | 1963 Bell Ave., Suite 100 Des Moines, IA 50315 |
Kansas | https://insurance.kansas.gov/ | 785-296-3071 | 1300 SW Arrowhead Road Topeka, KS 66604-4073 |
Kentucky | https://insurance.ky.gov | 502-564-3630 | 500 Mero St., 2 SE 11 Frankfort, KY 40601 |
Louisiana | http://www.ldi.la.gov | 225-342-5423 | 1702 N. Third St. Baton Rouge, LA 70802 |
Maine | https://www.maine.gov/pfr/insurance/ | 207-624-8475 | 34 State House Station Augusta, ME 04333-0034 |
Maryland | http://www.mdinsurance.state.md.us | 410-468-2090 | 200 St. Paul Place, Suite 2700 Baltimore, MD 21202 |
Massachusetts | https://www.mass.gov/orgs/division-of-insurance | 617-521-7794 | 1000 Washington St., Suite 810 Boston, MA 02118 |
Michigan | https://www.michigan.gov/difs/ | 517-284-8800 | 530 W. Allegan St. Lansing, MI 48933 |
Minnesota | https://mn.gov/commerce/industries/insurance/ | 651-296-4026 | 85 Seventh Place E., Suite 500 St. Paul, MN 55101 |
Mississippi | http://www.mid.state.ms.us | 601-359-3569 | 1001 Woolfolk State Office Building 501 N. West St. Jackson, MS 39201 |
Missouri | https://insurance.mo.gov/ | 573-751-4126 | 301 W. High St. P.O. Box 690 Jefferson City, MO 65102-0690 |
Montana | https://csimt.gov/ | 406-444-2040 | 840 Helena Ave., Suite 270 Helena, MT 59601 |
Nebraska | https://doi.nebraska.gov/ | 402-471-2201 | Terminal Building 941 O St., Suite 400 Lincoln, NE 68508-3639 |
Nevada | https://doi.nv.gov/ | 775-687-0700 | 1818 E. College Parkway, Suite 103 Carson City, NV 89706 |
New Hampshire | https://www.nh.gov/insurance/ | 603-271-2261 | 21 S. Fruit St., Suite 14 Concord, NH 03301-7317 |
New Jersey | https://www.state.nj.us/dobi/index.html | 609-292-5360 | 20 W. State St. P.O. Box 325 Trenton, NJ 08625 |
New Mexico | https://www.osi.state.nm.us/ | 855-427-5674 | 1120 Paseo de Peralta, Suite 428 Santa Fe, NM 87501 |
New York | https://www.dfs.ny.gov/ | 212-480-6400 | 25 Beaver St. New York, NY 10004 |
North Carolina | https://www.ncdoi.gov/ | 855-408-1212 | 1201 Mail Service Center Raleigh, NC 27699-1201 |
North Dakota | https://www.insurance.nd.gov/ | 701-328-2440 | State Capitol 600 East Blvd., Dept. 401, 5th Floor Bismarck, ND 58505-0320 |
Ohio | https://insurance.ohio.gov/wps/portal/gov/odi | 614-644-2658 | 50 W. Town St., 3rd Floor, Suite 300 Columbus, OH 43215-1067 |
Oklahoma | https://www.oid.ok.gov/ | 405-521-2828 | 400 NE 50th St. Oklahoma City, OK 73105 |
Oregon | https://dfr.oregon.gov/Pages/index.aspx | 503-947-7980 | P.O. Box 14480 Salem, OR 97309-0405 |
Pennsylvania | https://www.insurance.pa.gov/Pages/default.aspx | 717-787-2317 | 1326 Strawberry Square Harrisburg, PA 17120 |
Rhode Island | https://dbr.ri.gov/divisions/insurance/ | 401-462-9500 | 1511 Pontiac Ave. Cranston, RI 02920 |
South Carolina | https://doi.sc.gov/ | 803-737-6160 | 1201 Main St., Suite 1000 Columbia, SC 29201 |
South Dakota | https://dor.sd.gov/ | 605-773-4104 | 445 E. Capitol Ave. Pierre, SD 57501-3185 |
Tennessee | https://www.tn.gov/commerce/insurance-division.html | 615-741-2241 | 500 James Robertson Parkway, Suite 660 Nashville, TN 37243-0565 |
Texas | https://www.tdi.texas.gov/ | 512-676-6000 | 333 Guadalupe St. Austin, TX 78701 |
Utah | https://insurance.utah.gov/ | 801-957-9200 | 4315 S. 2700 W., Suite 2300 Taylorsville, UT 84114-6901 |
Vermont | https://dfr.vermont.gov/industry/insurance | 802-828-3301 | 89 Main St., Drawer 20 Montpelier, VT 05620-3101 |
Virginia | https://www.scc.virginia.gov/ | 804-371-9741 | 1300 E. Main St., Tyler Building Richmond, VA 23219 |
Washington | http://www.insurance.wa.gov | 360-725-7100 | Insurance Building P.O. Box 40255 Olympia, WA 98504-0255 |
West Virginia | http://www.wvinsurance.gov | 304-558-3386 | West Virginia Lottery Building 900 Pennsylvania Ave. Charleston, WV 25302 |
Wisconsin | https://oci.wi.gov/Pages/Homepage.aspx | 608-266-3585 | 125 S. Webster St. Madison, WI 53703-3474 |
Wyoming | http://insurance.state.wy.us | 307-777-740 | Herschler Building 106 E. Sixth Ave. Cheyenne, WY 82002 |
Will filing a car insurance claim make your car insurance rates go up? That depends on whether it’s a first- or third-party claim. If you weren’t at fault for an accident and filed a third-party claim, your insurance rates won’t increase. However, most of the time, first-party claims will increase your car insurance premiums, even if the accident or incident wasn’t your fault.
Although claims may increase your car insurance rates, they won’t impact your credit score directly. That being said, claims could affect your credit score indirectly if you can’t pay a deductible or premium and fall behind on your bills. But as long as you pay on time, claims won’t harm your credit score.
We’ve outlined three basic types of claims with real-world examples.
Let’s say you hit someone and cause property damage to their car. In that case, the other party would file a third-party property damage claim with your insurance company, while you would file a first-party collision claim with your provider.
No matter which state you live in, you’d be liable for the other car’s property damages as well as your own. Your car insurance rates would increase unless the accident fell under an accident-forgiveness policy.
If you’re pulling out of a parking spot when another car sideswipes you, injuring your shoulder, you could file a bodily injury claim with their provider. If you live in a no-fault state like Florida, you’d file a personal injury protection claim to pay for your medical bills, lost wages, and childcare.
Imagine you’re the victim of a hit-and-run, but your insurance company uses surveillance footage to find the perpetrator who hit your car. It turns out that the perpetrator lacks car insurance, which might have been the reason they drove off so quickly.
In that case, your insurance company would file a subrogation claim, suing the driver directly in order to retrieve your compensation. The other option is to file an uninsured motorist, collision, medical payment, or personal injury protection claim to pay for your damages and injuries.
To be a savvy car insurance customer, you should understand insurance claims. For more information, read our complete guide to car insurance. If you’re looking to save money (maybe your teen driver just got their license), get an auto insurance quote or free car insurance quote, or bundle your car insurance with your homeowners insurance or life insurance.
How to File an Insurance Claim: Everything You Need to Know. Ramsey. (2022, May 5).
https://www.ramseysolutions.com/insurance/how-to-file-an-insurance-claim
Car Accidents: Statutes of Limitations. Enjuris. (2022).
https://www.enjuris.com/car-accident/statutes-of-limitations.html
Dram Shop Laws and Liability for Drunk Driving Accidents. Justia. (2021, October).
https://www.justia.com/injury/negligence-theory/dram-shop-laws/
What to expect when you file a car insurance claim. Allstate. (2019, September).
https://www.allstate.com/resources/car-insurance/how-to-file-a-car-insurance-claim
State By State Negligence Laws. The Law Offices of Maloney & Campolo. (2020, February 14).
https://www.maloneyandcampolo.com/state-negligence-laws/
Filing a Claim with Another Driver’s Insurance Company. Illinois Department of Insurance. (2022).
https://www2.illinois.gov/sites/Insurance/Consumers/ConsumerInsurance/Auto/Pages/filing-an-auto-claim-with-anothers-insurance-company.aspx
Obligations of Insurance Companies When Handling Claims. FindLaw. (2017, July 6).
https://corporate.findlaw.com/corporate-governance/obligations-of-insurance-companies-when-handling-claims.html
How long does it take to get a settlement check after a car accident? Progressive. (2022).
https://www.progressive.com/answers/car-insurance-claim-settlement-time-limits/
What should I do if I am having trouble settling my claim? Insurance Information Institute. (2022).
https://www.iii.org/article/what-should-i-do-if-i-am-having-trouble-settling-my-claim