Ask an Agent
Have a question? We're here to help.
Ask an agent for free
Question

How long do I have to file a property damage claim in North Carolina?

I was rear-ended by another driver and the police were called. They determined I was not at fault. I called my insurance agent initially but was only able to reach his secretary. She told me to wait for the other driver's insurance company to contact me, but now it's been 3 weeks and I haven't heard anything from them. How much time do I have to get this done in North Carolina?

May 26, 2022 High Point, NC

Answer
Author profile picture

Beth Swanson

SEO Content Strategist

Credentials
  • Licensed Insurance Agent — Property and Casualty

Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

Thanks for reaching out to the Zebra. I'm sorry to hear you're going through this! An accident is stressful enough without worrying about time limitations.

The statute in North Carolina for filing a property damage claim is technically three years. However, I would recommend taking care of the claim as quickly as possible to avoid any issues with the other driver's insurance company. Ideally, that driver would've submitted their claim and given the insurance company your information so they could reach out. However, since they haven't contacted you yet, I'd suggest reaching out to them yourself — sooner rather than later. The longer you wait, the more difficult it can be for the insurance company to assess the damage.

The length of time for the whole claims process to be taken care of is hard to say; it could be a few weeks, a few months, or even longer depending on the situation. If there isn't a dispute about whose fault the accident is, then it may not take too long to be resolved. However, if there is an ongoing investigation or injuries were involved then this will likely add time. After you're able to contact the other driver's insurance company and begin a dialogue, you may want to ask about rental car reimbursement while you wait for things to get settled with your vehicle repairs.

We hope that you're back on the road soon!

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

If I'm hit my a driver with the same insurance company as mine, do I file the claim under my policy or the other driver's?

Filing the claim on your policy means you are going to have to pay your collision deductible and could possibly impact your rate. Personally, I would not agree to do that. The majority of rear-end collisions are considered to be the fault of the driver in the back, so it should not take them any lo…
Sep 25, 2017 Rockledge, FL

Will my rates increase if I hit a fence?

If you have liability coverage on your vehicle, which your state requires, the damage will be covered. However, if you file a claim you will most likely suffer a rate increase for what your car insurance company would consider an at-fault accident. In California in 2017, the average rate increase a…
Apr 21, 2018 Modesto, CA

Is a police report required when a parked car is hit?

Texas law states you must file a police report if the accident resulted in physical injury (or death) or property damage exceeding least $1,000. If your daughter is filing an uninsured motorist claim (i.e., a hit and run), I recommend filing a police report. You can submit a Driver's Crash Rep…
Jun 17, 2019 Terrell, TX

Am I at fault if I swerve to avoid my neighbor's cat but hit his car?

In this instance, you will likely be held liable for the accident. Although you want to use your best judgment when it comes to avoiding an animal, in most cases, if an accident/collision occurs by you trying to avoid hitting an animal, you are responsible for the damages. The way that most insuran…
May 16, 2019 Palm Springs, CA