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Getting into a car accident is never pleasant, and if you’re a luxury car owner, it’s even more concerning when it comes to the cost of repairs and protecting your investment. One of the most common questions following an accident is: How long do I have to file a claim?
Understanding the time limits can help you avoid missing out on compensation or coverage. Here’s everything you need to know about filing a claim after a car accident in Florida.
Florida Statute of Limitations
In Florida, you typically have up to four years from the date of the accident to file a claim for property damage or personal injury caused by the collision. This is outlined in Florida’s statute of limitations law, and it applies to both standard and luxury vehicles. If the accident resulted in a fatality, the time limit for filing a wrongful death lawsuit is two years.
However, waiting too long could complicate your claim process. Insurance companies prefer claims to be filed as soon as possible after the accident, so they can investigate and process it while the details are still fresh. Delays in filing may lead to complications, such as difficulty proving fault or determining the extent of the damage.
When Should I File My Insurance Claim?
Even though you have a longer legal window to file a lawsuit, insurance companies often require you to file a claim much sooner. Most insurance providers have their own policies, with some requiring claims to be submitted within a few days to a couple of weeks after the accident.
Failing to notify your insurer in a timely manner may result in denial of coverage, so it’s best to contact your insurance company immediately after the incident to confirm their specific deadlines.
Why Act Quickly?
Aside from avoiding complications with insurance, filing your claim early ensures your vehicle is repaired faster. As a luxury car owner, prompt repairs are critical to maintaining your vehicle's performance and value. Delays could also cause further damage to your vehicle, leading to higher repair costs.
Choose Car Geeks Collision for Luxury Car Repairs
When you’ve been in an accident, you want to ensure your luxury or exotic vehicle is handled with the utmost care. Car Geeks Collision is the go-to choice for high-performance, rare, and exotic car repairs in Florida.
Why Choose Car Geeks Collision?
Specialized Luxury Vehicle Expertise: We understand the unique needs of luxury and exotic cars, ensuring every detail is handled with precision and care.
Full Restoration Services: From minor dings to major damage, our team is experienced in restoring your car to its original state.
Complimentary Towing for Flood-Damaged Cars: If your luxury vehicle has been affected by water damage, we offer complimentary towing services.
Make sure your high-value car is repaired by the best. Contact Car Geeks Collision today at www.cargeekscollision.comor call 786-980-9136 for expert advice and service.
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