Even if the at-fault driver has insurance coverage, the injured particular person can nonetheless file a lawsuit for the amount of their damages towards each the at-fault driver and the car owner. While most automotive accident circumstances will settle throughout the coverage limits, circumstances that do not settle can end result in a lawsuit. It’s essential to note the statute of limitations is different for each state and every insurance company has different reporting requirements. Typically, a police report must be filed instantly after the accident and no later than seven days. Meanwhile, a private harm declare must be made to your insurance firm not extra than two years after an accident, while property claims must be filed inside three years. To learn extra concerning the actual timeline in which you have to report a claim, verify along with your insurance provider.