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

How long into getting a new policy can I file a claim?

I just opened a policy 2 weeks ago and now I'm having issues with my engine. I found a dead rat in there that's causing some transmission issues. I have comprehensive coverage. How soon can I file a claim for this? Is there a waiting period?

Dec 9, 2017 Charleston, West Virginia

Answer
Author profile picture

Ava Lynch

Insurance Analyst

Credentials
  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

As long as the problems began after you started your policy, you can file a claim immediately. The statute of limitations in West Virginia is two years for property damage. The damage caused by the rat would fall under your comprehensive coverage so you will just have to pay your deductible. You would need to call your insurance company's claims department to begin the process.

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...

Husband backed into a pole in his work's parking lot how to handle insurance

There are a few different factors to consider.First, most insurance companies require you to report any incident that occurs with the car, even if a claim is not filed. Check with your specific company for their guidelines.Second, look at your car insurance policy to see what kind of coverage you h…
Jul 19, 2018 Austin, TX

Will my renters policy cover additional living expenses?

Unfortunately, renters insurance only covers your personal property and personal liability - not the property itself or displacement due to an issue with the dwelling. Since it is an issue with the dwelling, your landlord should have coverage for this type of issue on their policy. I would check wi…
Dec 14, 2018 Bronxville, NY

Can someone else register and insure a vehicle I finance?

Regardless of where you live, if you are financing a vehicle you need to have it registered in your name. You can put the car insurance in someone else's name but insuring a vehicle you don't own can be challenging and you would still need to be listed on the policy. You will also need to…
Apr 7, 2019 Fern Park, FL

Do I need to put everyone in my household on my policy?

It's usually recommended to add everyone who lives in the household on the same policy if it's likely they will be driving the insured car, and insurance companies generally require everyone in the household of driving age to be listed on the policy. But if the others in the household alr…
Aug 12, 2019 Miami, FL