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How long do you have to file an auto insurance claim?

About 1 yr ago I was laid off and the next day I came out to find my car was backed into in a parking lot.I was depressed about losing my job and did not have extra money for a deductible so I did not file a claim.I am now hearing that this would of been fixed and the deductible waived because I was hit in a parking lot.Does anyone know anything about this type of thing? I live in Michigan !!!

Asked By: LoveDogs! - 5/1/2008
Best Answer - Chosen by Asker
As a claims adjuster let me start off by telling you not to try to commit fraud like some have already suggested by changing your story to say the accident occurred last week or today to try and get coverage for it as more than likely you will have coverage for the loss if you had a valid policy a year ago when the... More
Answered By: James B - 5/1/2008
Additional Answers (5)
i am not too sure about the deductible since it is a year later....they might not care about your "hit in the parking lot story" but the bottom line is...your car has damage that was not there when you first insured it and they will cover it. But you might have to pay the deductible... More
Answered By: Mike S - 5/1/2008
 
i'm pretty sure you screwed up------did you get a police report?---if not ---you messed up---too bad
Answered By: bayliner6065 - 5/1/2008
 
One thing that might make a difference is whether or not you're still insured with the same company. If you've been insured continuously between the time of the accident and now, you stand a chance at getting them to believe you. (If the coverage hasn't been with the same company, they're going to wonder if it really... More
Answered By: Deke - 5/1/2008
 
You would have to find out about your states statue of limitations. Most states carry a 5 year statue on property damage. You should be able to look it up at the dept of insurance website. I don't know of any insurance companies that waive a deductible because your car was hit in a parking lot. Does it actually... More
Answered By: Porscheman951 - 5/1/2008
 
I think you are out of luck. Was a police report made at the time of the incident ? If so, this MAY help
Answered By: entidtil - 5/2/2008
 
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