Do insurance companies have time limits on submitting claims?

GEICO does not have a specific time limit for filing a claim, but you should do so as soon as you’re able to avoid having your claim denied for unreasonable delays.

Don’t be afraid to negotiate when you first receive a claim settlement offer from your car insurance company. If you have proof of any medical bills and costs of repair from an accident, you can use it to get a better payout.

If there’s minimal damage, you already have claims on your record, or you can settle privately with the other driver, an insurance claim might be unnecessary.