What is the time limit for car insurance claims in California?

Asked by: Monty Boyer PhD  |  Last update: October 2, 2025
Score: 4.3/5 (44 votes)

While two years is the general time limit to file car accident claims in California, some exceptions can shorten or extend the amount of time you must take legal action. Let us say your crash was caused by a failure to maintain state or city roads. You could have a valid legal claim against a local government.

How long can a car insurance claim stay open in California?

An insurance company must either settle or deny a claim in California within 40 days after receiving the proof of claim, according to the California Department of Insurance.

How long do I have to file an insurance claim in CA?

How Long Do You Have to Report an Accident to Insurance In California? Report accidents to your insurer within the stipulated period, often 72 hours, to avoid claim denial. The California statute of limitations for auto accidents is two years.

Do insurance claims expire in California?

According to the Judicial Council of California and its website on the rules of the court in California, personal injury cases are allowed two years to file, and property damage lawsuits are permitted three years to file.

Is there a time limit on when you can make an insurance claim?

You can make a claim on your insurance any time after the start date on the policy. Timings vary for insurance claim, but most providers aim to get them resolved within a year. As soon as an incident has occurred, you should contact your insurance provider, ideally within 24 hours.

Time Limit For Auto Accident Lawsuit Explained By California Personal Injury Attorney

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How long after an accident can you make a claim?

Car accident claim time limit: Car accidents and road traffic accidents in general have a three-year limit from the date of the accident or the date of knowledge.

What is the new law for auto insurance in California?

Understanding California's New Auto Insurance Requirements

Under the new law, the minimum liability limits will rise to 30/60/15. These numbers represent: $30,000 for bodily injury liability per person. $60,000 for bodily injury liability per accident.

Can you file an insurance claim 2 years later?

Time limits for car accident claims catch many California residents off guard, and missing these deadlines can be devastating. In California, you have two years from the accident date to file a personal injury lawsuit.

Do insurance companies have a time limit?

All states except South Carolina have rules requiring insurers to pay or deny claims within a certain time frame, usually 30, 45, or 60 days.

How long do you have to sue after a car accident?

In California, the personal injury statutes of limitations are as follows: You have two years from the date of the injury to file a lawsuit. If you did not know that you were hurt right away, you have one year from the time that you discovered the injury.

Should I file an insurance claim for bumper damage?

It may not make sense to file a claim if the bumper damage is minor and the repair cost is lower than your auto insurance deductible. If you have a low deductible, it may be worthwhile to file a claim, even for minor repairs.

What is the statute of limitations on auto claims in California?

In California, the car accident statute of limitations is two years from the date of the accident. The time limit for minors is extended until they reach the age of majority, 18 years old. Once the two-year time limit has passed, injured adults are barred from filing lawsuits.

What is the time limit for accident claims?

Generally, the standard time limit to file a claim after a car accident is 30 days. However, some insurance companies may have a longer duration of 60 or 90 days. It is important to carefully read and understand the details of your car insurance policy to avoid missing out on the time limit for filing a claim.

Can I sue my insurance company for taking too long?

The answer to this question is complex, but California health insurance providers are bound by state law to respond to claims within a specific amount of time. If they fail to do so, you may have the basis for a lawsuit against your insurer due to bad faith.

How long do you have to file a car insurance claim in California?

While two years is the general time limit to file car accident claims in California, some exceptions can shorten or extend the amount of time you must take legal action. Let us say your crash was caused by a failure to maintain state or city roads. You could have a valid legal claim against a local government.

How many years later can you make a claim?

The Limitations Act requires that personal injury claims must be started within two years of the accident or ten years after the claim arose, whichever comes first.

Can you make a claim after 3 years?

Time limits

You should get legal advice urgently if you want to claim compensation. The most common claim in a personal injury case is negligence and the time limit for this is 3 years. This means that court proceedings must be issued within 3 years of you first being aware that you have suffered an injury.

Is there a grace period for car insurance in California?

The stipulations of a new car insurance grace period vary by state. For example, California allows drivers a 30-day window after purchasing a car to buy insurance. This grace period could extend to 45 days if you have an existing auto policy and you're waiting to add the new car.

What are the new insurance laws in California in 2025?

Beginning January 1,2025, as auto insurance policies come up for renewal throughout the year, all standard auto insurance policies in California will have higher minimum liability limits: $30,000 for bodily injury or death per person (up from $15,000) $60,000 for bodily injury or death per accident (up from $30,000)

What are the California legal limits for auto insurance?

Here are the minimum liability insurance requirements (per California Insurance Code §11580.1b): $30,000 for injury/death to one person. $60,000 for injury/death to more than one person. $15,000 for damage to property.

How long can you wait to claim a car accident?

In general, the time limit in California is usually two years from the date of the accident. However, this time limit can be different based on the circumstances of the accident. You should understand the car accident statute of limitations and how it applies to the circumstances involved in your legal claim.

How long after a bump can you claim?

Your insurance provider

Insurer time limits vary, so check your policy book for information. It's usually within 48 hours of the accident, even if you aren't planning to make a claim and if you wait for longer, you risk invalidating your claim.

What is the grace period for insurance claims?

Every policy has different grace period stipulations. Depending on what's in your contract, it can vary anywhere from 24 hours up to 30 days. Many policies will also offer two timeframes for a grace period: a shorter period that doesn't entail a late fee and an extended period that will require you to pay one.