While there is no specific time limit for one to claim injuries following an auto accident, the practical matter is that if you are going to seek care, you should not delay too long.
You will be presenting your claim to an insurance company. What you need to know is that the role of an insurance company is to 1) pay you nothing, and if they cannot do that, then 2) to pay you as little as possible.
The simple rule is that so long as you can prove your medical care and injuries are related to the accident, you should get a recovery. (As you will learn next, it is not that easy).
Insurance companies love delays in care. If you delay care, the insurance company will contend that the medical care you claim is not related to the accident. They will argue that if it were related, you would have started in time closer to the accident but you did not, so not related.
The other thing insurance companies love is “gaps” in care. You are in an accident, you get care, then you take a month off, then start… That is a “gap” in care. The gap in care serves as a break in the chain connecting the injuries and medical care to the accident. This will make the care following the gap harder to connect to the accident.
The reason delays and gaps are so bad is because they make it harder for you to prove the later medical care is related, and I promise, the insurance companies and their attorneys will fight this.
The easiest way to win a fight with an insurance company is to avoid the fight—don’t even give them the opportunity to make these arguments. That is one of the ways we can help.
The better you understand, the better decisions you can make for you and your own case.