car got hit - are there limits on time to report it?

[unregistered]

Hi,

My car got hit from behind and left scratches and paint cracks all over the rear bar. this is the first "accident" ive been in. I got the guys details and everything.
that happened about a week ago and i still havent let insurance know about it. i keep forgetting and everytime i think about it i dont have the paperwork....

Will my insurace company care if i call them a week after the event?

[Darren_L]

depends on your insurance company, but the longer you leave it, the more likely it's going to be knocked back
get onto it asap

[87RB30VL]

As Darren said, it really depends if they accept the fact you're a week late, as these things should be reported straight away, but I guess they should give you some leniency if you, I dunno, make up a short story on why you're late, family accident, something like that. I don't really condone it, if you're late then it's your fault, but I have made up a few stories to get me out of sticky situations before so I can't exactly talk lol.

Ring them ASAP, though. Who knows what the other guy has told them.

Source: Been in a few accidents, both my fault and also others at fault.

[CapriciousWL]

Report it. If it wasn't your fault don't part with the excess. Seems a few of them are demanding the excess up front before processing claims at the moment. Once they have it, you're at fault.

[Troy711]

In the time it took you to post it on a forum you could have called and actually reported it.

[oska]

you have 7 years from your insurance co from when you made the claim

[CapriciousWL]

Seven years to finalize. Informing them is different.

Make the call.

[DevilDRake]

I did mine after a month, reason being is because I didn't think i would have to break my excess - Should of told them anyway though.

[db_notso]

my insurer just car gives you 24 hours to report ANY accident at fault or not, its in my contract i just read it

that is comprehensive of course but...

i got screwed once by 3rd party (side note i know)
cause in australia if you both have 3rd party the at fault driver has to lodge a claim with his insurer or yours wont pay out
took me 6 months to get paid out cause he simply refused to make a claim, and only other option was court small claims.

[HamaTime™]

In the time it took you to post it on a forum you could have called and actually reported it.

This is the correct answer.

/Thread