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Statutes of Limitation for Car Insurance Claims.

An accident is a bad experience and may leave the people involved in a negative state that one would not wish on their worst enemy. The aftermath entails injuries – physical or emotional and also puts the parties in a financial quagmire they would all love to avoid. In such a case then auto insurance laws come in to alleviate the unfortunate suffering that comes as a result of the car accident. Hereby, there is a statute of limitation that comes into play and in most cases in most of the states, it has a validity period of 2 years, should an out of court settlement has stalled. Many of car insurance settlements and disputes are usually resolved by the parties involved in unison with their insurance carriers, but if this does not go as planned, the judge is always the best option.

What is a statute of limitation? To comprehend what it entails you must comprehend the meaning of the term. Basically, you can make a claim or begin legal proceedings in case an out of court settlement has proved unfruitful and the law court is the last option. However, there is a pre determined period of time that the auto insurance laws in each state have set for you to make this move. Failure to start proceedings or make a claim for damages or compensation of costs and expenses within this stipulated period means you are out of luck. In other words, in a criminal lawsuit, it is the period taken by the state to charge an offender of a particular crime while in a civil lawsuit; it is the period of time taken by the plaintiff to bring proceedings to the court against a defendant. In most cases the period is two years, meaning after this, you cannot bring any charges against the offender any time in the future under any circumstances.

All the states have their different auto insurance laws and have the full mandate to determine their individual statutes of limitation. In some states, a car accident claim or suit comes under the personal injury tort, meaning if a party suffers injury in a car accident that came about as a result of negligence of the other party, then, you have a minimum period stipulated by your respective state to make a claim or sue them for damages.

The first option is always negotiating and reaching an agreement out of court but incase this fails, you can go to the courts for a remedy to the dispute. In the negotiations, both parties will be present and more so, their respective insurance carriers and a mediator, who is an unbiased third party. The process may take a while but it is nonetheless effective if you observe the statutes of limitation concerning this matter.

You should have a valuable partner by your side in case of such a situation. Your affordable and cheap car insurance carrier should be able to give you such vital information and expert advice and stand by you throughout the whole ordeal. To get matched up with only the best providers in the whole country, please type in your zip into the form above and we will do the rest in a matter of seconds. You will also be able to compare auto insurance quotes and policies from these companies.