How Long Can I Wait To File A Car Insurance Claim? 
Generally speaking , insurance companies will state in their policies that in the event of a loss , you should contact them immediately about the claim . And it is in your best interest to do so . If you have a car accident and report the claim promptly , you will have your car back and in good shape rather quickly and without any elevated risk of hassle . On the other hand if you wait until the rust starts to form , you will find that the initial damage will be covered , but not the extra costs to repair the damage caused by time . 