I backed into a tree in April and damaged the rear of my car – about 3k worth of damage. I haven’t filed a claim with my insurance company yet and my policy expires Aug 17th. I’ve already renewed the policy for another six months with the same company. Is there a time limit for filing claims?
For physical damage claims like this there usually isn’t a set time limit for reporting. The policy usually just states that a claim can be denied for late reporting, and just how late you have to be to be considered “late” is up to the insurance company’s discretion. the fact that you renewed your policy probably won’t really help things, all that matters to the insurance company is whether the policy was in effect at the date and time of the claim, and what their definition of “late reporting” is.