How long after a commercial vehicle accident can you file a claim?
Time limits for filing a commercial vehicle accident claim can vary depending on your specific insurance policy and the state you’re filing the claim in. Though these time limits—or statutes of limitations—do vary, it’s generally best to report the accident to your insurance provider as soon as possible.
Why is it important to report a claim early?
Filing a claim as soon as possible after an accident can help:
Preserve evidence: Accuracy is key when it comes to claims. Reporting a claim as soon as you can helps ensure evidence and witness statements are fresh.
Meet insurance policy requirements: Some insurance providers include strict time limits for claim reporting in their policies. Reporting early helps ensure you don’t miss the deadline.
Expedite the claims process: Once you file a claim, your insurance provider can begin investigating the incident, and you can get repairs underway sooner.
Ensure medical records are accurate: If you were injured in an accident, current medical records can help you build a case for compensation.
How the commercial auto claims process varies by state
The claims process for motor vehicle accidents can vary by state for several reasons, including:
At-fault vs. no-fault: At-fault states require the at-fault driver’s insurance company to pay for vehicle damage and injuries. No-fault states require each driver’s insurance company to pay for vehicle damage and injuries for their insured. Learn more about how fault plays a role in auto insurance claims with our guide to third-party insurance claims.
Insurance laws: Rules and regulations can vary by state, especially when it comes to deadlines and statutes of limitations.
Claims processing: Some states require claims to be filed directly with an insurer, while others require that they be filed with a third-party administrator.
How is the commercial vehicle claims process different?
Each claim is unique, and a multitude of factors may impact the complexity of the investigation into the cause and liability of a commercial vehicle accident, including the size of the vehicle or the number of parties involved. Providing accurate information may help prevent delays throughout the claims resolution process.
Nonstandard auto claims
In addition to our commercial auto insurance coverage, Sentry also offers personal nonstandard auto insurance through The General® and Dairyland®. We can help you through the claims process, from filing to resolution.
Related resources or services
How to file a trucking accident claim
Learn how truck accident claims work—including how they differ from car accidents, and how you can help ensure a smooth process.
Should I file a claim after an accident?
Even if your insurance policy doesn’t require you to file a claim, it’s generally best to file one—whether you were in a single-vehicle accident or one with another driver.
The basics of trucking accidents
It’s important to know the part you can play in reducing trucking accidents. Learn about the different types of accidents and prevention strategies.