How long do I have to file a claim with my auto insurance company?

How long to claim an auto accident?

• I bumped a car backing out of a parking spot well over a year ago, my car was undamaged but the other car had a scrape about 2"x2" on the paint job. I felt extremely guilty, I told the woman who owned the car I was really sorry and accepted full blame. She said just let it go and we parted ways. A month later I found out she reported it the police a week after the incident because my sister happened to see her one day and the lady said that the parking lot video surveillance cams caught it and it was reported and her auto insurance company wants my auto insurance information now. She gave my sister the name of the cop who filed the report. When I talked to the cop, he said she reported it herself. Regardless, I mailed her my auto and contact information. The whole thing happened 18 months ago. She never contacted me again and as far as I know, my own auto ins. company was never contacted. I'm just wondering if she changes her mind, again, can she still file a claim?

• Answer:

  It depends on where this happened. All states have different statutes of limitations for property damage. If she claims damages or files suit before the Statute of Limitations runs then yes, she can do it again. It doesn't die until the time runs out!