Getting into a car accident can be stressful. After the crash, you might be dealing with injuries, vehicle damage, and insurance issues. But one of the most important steps you need to take is filing an accident report. Knowing how much time you have to file can help you avoid legal trouble and protect your rights.
When Do You Need to File a Police Report?
In Phoenix, Arizona, the law requires you to report certain car accidents to the police. If the crash results in injury, death, or significant property damage, you must call law enforcement immediately. Officers will come to the scene, document what happened, and create an official report.
Even if the accident seems minor, filing a police report can be helpful. Insurance companies often require an official report before they process a claim. Having a detailed record can also protect you if the other driver changes their story or tries to blame you later.
Time Limits for Filing an Accident Report
Arizona law does not require drivers to file an accident report themselves if the police create one at the scene. However, if an officer does not respond, you may need to file a report with the Arizona Department of Transportation (ADOT). In most cases, this should be done as soon as possible after the accident.
Insurance companies also have their own deadlines. While state law does not set a strict limit on reporting an accident to your insurer, most policies require you to report it within a reasonable time. Failing to do so could result in a denied claim.
Filing a Claim with Your Insurance Company
The time limit to file an insurance claim depends on your policy. Many insurance companies require you to report an accident within 24 to 48 hours. Some policies allow more time, but it’s always best to file as soon as possible. The sooner you report the accident, the easier it is to collect evidence and handle your claim.
If you wait too long, the insurance company may argue that your injuries or damages are unrelated to the accident. They could also claim that a delay makes it harder to investigate, giving them a reason to reduce or deny your claim.
Statute of Limitations for Filing a Lawsuit
If you plan to take legal action after a car accident, you need to know Arizona’s statute of limitations. In most cases, you have two years from the date of the accident to file a lawsuit for personal injury or property damage. If you miss this deadline, you may lose your right to seek compensation.
There are some exceptions to this rule. If the accident involved a government vehicle, you may have a shorter time frame to file a claim. In cases involving minors or individuals with disabilities, the deadline may be extended. Speaking with a lawyer can help you understand how the statute of limitations applies to your case.
What Happens If You Don’t File on Time?
Failing to file an accident report, insurance claim, or lawsuit on time can have serious consequences. If you don’t report a serious accident to the police, you could face fines or other penalties. If you wait too long to contact your insurance company, they might refuse to cover your damages. And if you miss the deadline for filing a lawsuit, you could lose your chance to recover compensation for medical bills, lost wages, and other losses.
Need Help With an Accident?
After a car accident, time is not on your side. Reporting the crash, filing an insurance claim, and taking legal action all have deadlines. If you were in an accident in Phoenix and need help with the process, call CLS Law at (855) 257-9467. We can guide you through your claim and fight for the compensation you deserve.