Your auto insurance policy will provide coverage if you should get into an accident at any time while the policy is in force. Colorado law allows you to file a claim with your car insurance company or file a lawsuit in an auto accident case within two years of the date of the incident. In most cases, it is best to report an accident and file a claim with your insurance carrier as soon as you can after an accident has occurred.
In Englewood, Colorado, as well as every other place in the United States, you can still file a claim after your car insurance policy has expired as long as the accident happened while you were insured. For instance, if you had an accident on May 17 and your insurance expired on May 20, you can still file a claim on June 1 for any injuries or damages you may have suffered.
The key point to remember is that your auto insurance coverage depends on the date of the accident and not the date that you report the accident and file a claim. If, you wait more than a few days, you can expect your insurance company to ask you why you took so long to report the claim. Your insurer wants you to report accidents immediately, but there is no law that requires you to do so.
For your protection and to avoid delays in the handling and processing of your claim, it is a good idea to notify your insurer as quickly as you can. If you let your policy expire for any reason after the accident, but before you file a claim, you are still covered. While this type of situation is a little unusual, we can help you through the process. If you have any questions, please give us a call and an independent agent will be happy to put your mind at ease.