Answers:
The general rule of thumb is ASAP. For a personal Auto policy, the limitations vary state to state. I think most states give at least 30 days for non-liability claims. However, the longer you wait the more suspicous the Insurance Company will become. Every year thousands of fraudulent claims are filed, so Insurance companies become very wary of late claims. Any evidence your daughter has that help prove the damage happened when and how she claims will be useful
you have to have a police report yea you should call the insurance company ASAP. its against the law to wait too long.
I don't think so but I think you should do that quickly.
She shouled have filed a police report immediately... That way she can use the report as prove whenever she make a claim from the insurance company.
It depends on where you are. Most states have a threshold of damage above which vehicle accidents must be reported to police. In the state where I live, you are legally obligated to report any accident where someone is injured or the damage is over $1,500.
In terms of insurance, it depends on what it says in your policy. Many policies say losses must be reported in a "reasonable" amount of time. Obviously that is somewhat open to interpretation. My company has accepted claims that were reported a year or more after the loss.
That is an extremely vague question. What did she hit? Whatever it was, since she hit it that made it her fault and she should have immediately stopped and found out first what she hit, then who it belonged to.
Yes, probably there should be a police report and investigation and it should be reported to the insurance.
There is certainly a time to take her keys AWAY! She sounds like she needs alot more training before she her herself or God forbid someone else.
If you are making a first party claim read your policy regarding a time limit. There may be an exclusion that states the company does not have to pay if you do not report to them w/ in XX amount of days.
If this is a 3rd party claim (where you are making a claim against someone elses insurance) then the time limit, which is called a Statute of limitations, varies depending on what state you live in.
If you ever have questions regarding your insurance contact your agent. That is what they are there for!
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