If you were involved in a car accident it is important that you understand when you should report the crash to your insurance company and your legal rights during the process. Contact a Pike County, KY car accident lawyer for experienced advice and representation during your case.
When Should I Report My Accident to the Insurance Company?
Under Kentucky state law, you have 10 days from the date of the accident to file a report with your insurance company and the state police. In many states, the time constraint is lower, like 24 to 72 hours. Even though you have 10 days to report the accident, it is recommended to file as soon as possible.
Why is Reporting Promptly Important?
After being involved in an auto accident, prompt reporting is important for a number of reasons. First of all, it ensures that you are adhering to the policy set forth by your insurance provider. The company likely has regulations requiring you to file a report within a certain time frame so abiding by this obligation is imperative.
Reporting as soon as possible also allows your insurance company to begin investigating the accident while the evidence is still fresh. Proving how the accident happened and who is liable is crucial in recovering compensation for your injuries and property damage. Even in just a few days, witnesses could forget details about the accident or physical evidence could start to deteriorate or get lost.
One of the most important reasons to notify your insurance provider about your accident right away is to avoid potential issues or claim denials. Most people rely on insurance and without it could find themselves in debt and other financial troubles after an accident. If your report is delayed your insurance company could deny your claim, assume that you were trying to hide information about the accident, or believe that your injuries or damages resulted from another situation.
What is the Statute of Limitations for a Personal Injury Claim?
A statute of limitations is a time constraint that determines how long an individual has the right to pursue legal action after an accident or criminal offense. In Kentucky, the statute of limitations for a personal injury claim or lawsuit is one year and two years for property damage.
This means that from the date of the accident, you have one year to file a claim or lawsuit against the liable party for damages related to injuries you sustained in the collision. If the one-year time period passes and you have not begun legal proceedings you forfeit your right to do so. You can seek compensation for property damage caused by the accident for up to 2 years from the date of the accident.
Timing is everything when it comes to the law so it is essential that you fully understand your legal rights and options after being involved in a car accident. For more information and to discuss your accident case, set up a consultation with a skilled lawyer at Shane Hall Attorney at Law, PLLC today.
