Frequently asked questions about third party claims

California
Under your state’s Motor Vehicle Code, you may be responsible for filing an accident report with the state. In some states, if you don’t file an accident report in a reasonable amount of time, you may pay a penalty. We recommend that you check with your state’s motor vehicle department for your obligations under the law. Many motor vehicle departments have websites with instructions and forms.

The state of California requires that you file an SR-1 form if you’re involved in an accident that results in any injuries or property damage to either party exceeding $1,000, regardless of fault.

You must complete the form and send it to the Department of Motor Vehicles (DMV) within 10 days of the accident. This form can be picked up at any local DMV office or downloaded at their website: www.dmv.ca.gov/forms/forms.htm. On the DMV website, go to the main forms page, then choose the Accident Involvement link under General Use.

If you have any questions about this form, please contact the DMV directly at 800-777-0133. For the hearing impaired, the TTY number is 800-368-4327. You can also reach the DMV at the following address:

Department of Motor Vehicles
Financial Responsibility
Mail Stations J237
Sacramento, CA 94284-0001

New York
Under your state’s Motor Vehicle Code, you may be responsible for filing an accident report with the state. In some states, if you don’t file an accident report in a reasonable amount of time, you may pay a penalty. We recommend that you check with your state’s motor vehicle department for your obligations under the law. Many motor vehicle departments have websites with instructions and forms.

The State of New York requires that you complete and return the MV-104 form to the Department of Motor Vehicles (DMV). Please refer to the form for details on how to complete it. The DMV will return any form that is not completed in its entirety.

Important: If you don’t file this form within 10 days, the penalty could be suspension of your license, your registration, or both.

Tennessee
Under your state’s Motor Vehicle Code, you may be responsible for filing an accident report with the state. In some states, if you don’t file an accident report in a reasonable amount of time, you may pay a penalty. We recommend that you check with your state’s motor vehicle department for your obligations under the law. Many motor vehicle departments have websites with instructions and forms.

In Tennessee, as set forth under the provisions of 55-12-104, T.C.A., you must file, or have filed on your behalf, a personal report with the Department of Safety and Homeland Security, if you were involved in an automobile crash as an owner or driver involving death or injury, or in which damage to property was in excess of one thousand five hundred dollars ($1,500) to any person involved, OR if an accident results in damage to state or local government property in excess of four hundred dollars ($400). This report is required regardless of who was at fault and in addition to any report filed by an investigating officer.

Failure to file a personal crash report with the Tennessee Department of Safety and Homeland Security may result in the suspension of driver license and registrations or nonresident operating privileges of any person involved in a crash.

Your report must be submitted to the Department within twenty (20) days from the crash. You can satisfy this requirement by downloading and completing the online form located on the following website: https://www.tn.gov/content/dam/tn/safety/documents/owneroperator.pdf

Please mail the completed form to:
Tennessee Department of Safety and Homeland Security
P.O. Box 945
Nashville, TN 37202

If you have any questions, please call toll-free 866-903-7357 or the Telecommunications Device for the Deaf at 615-532-2281.

We will review your claim to determine how the incident occurred by contacting the parties involved. I will focus is on determining who is at fault for the accident and if our insured may be responsible for any damage or injuries.

The length of our review varies depending on the complexity of the claim and how quickly we receive necessary information. Our review may include some or all of the following where applicable:

• Statements from the involved parties and independent witnesses
• Police report
• Scene investigation
• Review of state laws

Our review determines the relative responsibilities of each party involved. Anyone involved in an accident can be assessed full responsibility, partial responsibility or no responsibility for the accident. If you were occupying a vehicle involved in the accident and have not yet given your statement, please contact me.

Michigan
Under the Michigan No Fault Act of 1973, you can pursue a claim against our policyholder if they are determined to be 50% or less at fault for the accident. Our review determines the relative responsibilities of each party involved.

If we determine that our insured is at fault for the accident, we will pay to repair the accident-related damage to your vehicle.

To prevent delays, you may want to pursue your vehicle damages and rental car coverage through your own insurance policy. We will determine liability as soon as we receive all of the necessary information. Please be advised, however, that details of the accident and who is at fault are often a matter of disagreement among the parties involved. Furthermore, the insurance companies involved may arrive at different conclusions regarding who is at fault. If such a disagreement occurs, we will review the facts of the accident closely and advise you of our liability determination as soon as possible.

Michigan
If your vehicle was moving at the time of the accident and we determine that our policyholder is 51% or more at fault, we will pay for the damages not covered by your insurance, up to the limits available.

New York
In all other claims, the written acknowledgment by the insurer shall inform the claimant that the insured has a policy which, to the extent of the insured's negligence, provides coverage for property damage, including the loss of use of damaged property and any other out-of-pocket expenses reasonably attributable to the accident. The acknowledgment shall also state that in no event will the recovery against the insurer exceed the maximum amount of the policy. The acknowledgment shall contain an explanation of the comparative negligence rules in New York, to the effect that, should the insurer's investigation determine that its insured is only partially liable, coverage of the property damage, loss of use and other expenses will only be partially reimbursed in accordance with the percentage that the insured is found to be at fault in the accident.

Within 10 business days of the completion of its investigation of a property damage claim, the insurer shall:

1. make a written offer which is first computed in the same manner as would be used if the claim were made under a first-party coverage by one of its insureds, and, if applicable, modified to give effect to the comparative negligence statute of this state, or any other state subject to policy limits. Any offer based on comparative negligence shall contain a factual and complete explanation of the insurer's basis for apportioning culpability. If the claim presented is greater than policy limits, then the claimant must be so advised; or
2. deny the claim in writing giving specific reasons therefor.

We estimate damage in several ways, each depending on where you live and the amount of damage to your vehicle.

• If your vehicle is drivable, we may ask you to take it to a local repair shop that partners with Liberty Mutual as part of our Guaranteed Repair Network program.
• If the damage is severe, we may assign one of our representatives to inspect it in person.
• If you haven’t already arranged to have your vehicle inspected, please contact me immediately by email or my direct contact number.

You’re free to have your vehicle repaired at the shop of your choice. We’ll do our best to work with the shop you choose to get your vehicle repaired in a timely fashion. Again, we invite you to use one of our Guaranteed Repair Network facilities.

It’s a partnership program between Liberty Mutual and selected collision repair facilities that meet or exceed stringent industry standards. Using a Guaranteed Repair Network shop where available in your area provides the following benefits:

• Convenience – With more than 2,000 shops nationwide, both the estimate and repair can be completed at a location near you.
• Price – Repairs are completed at negotiated rates, so there are no surprises.
• Quality – All Guaranteed Repair Network shops have been inspected and approved by Liberty Mutual
• Guarantee – Repairs are guaranteed for as long as you own the vehicle.

Please note: The choice of repair shops is always yours, and you are under no obligation to use a recommended repair service. The amount for repairs, as determined by a Guaranteed Repair Network shop, will be payable to you whether or not you use their services. Liberty Mutual has no financial interest in any of our Guaranteed Repair Network shops.

California
"WE ARE PROHIBITED BY LAW FROM REQUIRING THAT REPAIRS BE DONE AT A SPECIFIC AUTOMOTIVE REPAIR DEALER. YOU ARE ENTITLED TO SELECT THE AUTO BODY REPAIR SHOP TO REPAIR DAMAGE COVERED BY US. WE HAVE RECOMMENDED AN AUTOMOTIVE REPAIR DEALER THAT WILL REPAIR YOUR DAMAGED VEHICLE. WE RECOMMEND YOU CONTACT ANY OTHER AUTOMOTIVE REPAIR DEALER YOU ARE CONSIDERING TO CLARIFY ANY QUESTIONS YOU MAY HAVE REGARDING SERVICES AND BENEFITS. IF YOU AGREE TO USE OUR RECOMMENDED AUTOMOTIVE REPAIR DEALER, WE WILL CAUSE THE DAMAGED VEHICLE TO BE RESTORED TO ITS CONDITION PRIOR TO THE LOSS AT NO ADDITIONAL COST TO YOU OTHER THAN AS STATED IN THE INSURANCE POLICY OR AS OTHERWISE ALLOWED BY LAW. IF YOU EXPERIENCE A PROBLEM WITH THE REPAIR OF YOUR VEHICLE, PLEASE CONTACT US IMMEDIATELY FOR ASSISTANCE."
Ins s 758.5

Auto body repair consumer bill of rights includes:

1. A consumer's right to select an auto body repair shop for auto body damage covered by the insurance policy and that an insurer may not require this work to be done at a particular auto body repair shop.
2. The consumer's right to be informed about auto body repairs made with new original equipment crash parts, new aftermarket crash parts, and used crash parts.
3. The consumer's right to be informed about coverage for towing services, and for a replacement rental vehicle while a damaged vehicle is being repaired.
4. Toll-free telephone numbers and Internet addresses for reporting suspected fraud or other complaints and concerns about auto body repair shops to the Bureau of Automotive Repair.
5. A consumer's right to seek and obtain an independent repair estimate directly from a registered auto body repair shop for repair of a damaged vehicle, even when pursuing an insurance claim for repair of that vehicle.

Complaints concerning the repair of a vehicle by an auto body repair shop should be directed to:

Toll Free (800) 952-5210
Bureau of Automotive Repair
10949 North Mather Blvd.
Rancho Cordova, CA 95670
The Bureau of Automotive Repair can also accept complaints over its web site at: https://bar.ca.gov/
Ins s 1874.87

Any concerns regarding how an auto insurance claim is being handled should be submitted to the California Department of Insurance at:
(800) 927-4357 or (213) 897-8921
California Department of Insurance
Consumer Services Division
300 South Spring Street
Los Angeles, CA 90013

Colorado
You have the right to select where your motor vehicle is repaired. However, an insurance company is not required to pay more than a reasonable amount for such repairs.

Your Claims Representative will review with you which benefits will be provided to reimburse you for any towing and storage charges related to your automobile loss. Your Claims Representative will also advise you concerning excess charges that may be incurred related to towing and storage of a motor vehicle for which you may be responsible.

The law prohibits an insurance company or its agent from

• Requiring that appraisals or repairs to the real or personal property be made or not be made by a specific repair business
• Representing to a claimant that the use of or the failure to use a particular repair business may result in nonpayment or delayed payment
• Coercing, intimidating, threatening, or inducing by incentive, a beneficiary or claimant to use a particular business for repairs except that an inducement by incentive does not include warranty or guarantee of repairs
• Contracting with a person to manage, handle, or arrange repair work for the insurer on the condition a business does claims work at a price established by the insurer and the person retains a percentage of any compensation paid by the insurer
• Using disincentives to discourage a beneficiary or claimant from using a repair business, not including warranty or guaranty repairs
• Soliciting or accepting a referral fee in exchange for referring the beneficiary or claimant to a repair business
• Requiring the beneficiary or claimant to travel an unreasonable distance to choose a repair business
• Misinforming a beneficiary or claimant to induce the use of a particular repair business and
• Requiring a third-party claimant to have repairs done by a particular repair business

The law requires an insurance company or its agent to:

• Inform the beneficiary or claimant that they may select any repair business of their choosing
• Supply the beneficiary or claimant with a copy of the estimate upon which a settlement is based, when partial losses are settled based on an estimate prepared by or for the insurance company
• Confirm that any estimate prepared by or for the insurer to repair damages that are visible or evident at the time of inspection is adequate to restore the real or personal property within a reasonable time to its condition before the loss, in accordance with applicable policy provisions
• Pay for repair services and products based on the prevailing competitive price
• Assume all reasonable costs sufficient to pay for the beneficiary's or claimant's repairs less any applicable deductible or reduction for comparative negligence
• Furnish the notice required by § 10-4-120 C.R.S. to the beneficiary or claimant for each claim
• Promptly pay the cost of the real or personal property repair less the deductible according to the terms of the insurance policy at no less that the prevailing competitive market price in the same geographic area
• Disclose any ownership interest in, or affiliation with, a recommended repair business

Connecticut
NOTICE: YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED

Kentucky
NOTICE: UNDER KENTUCKY LAW, THE CONSUMER AND/OR LESSEE HAS THE RIGHT TO CHOOSE THE REPAIR FACILITY TO MAKE REPAIRS TO HIS OR HER MOTOR VEHICLE.

Minnesota
Minnesota law gives you the right to choose a repair shop to fix your vehicle. Your policy will cover the reasonable costs of repairing your vehicle to its pre-accident condition no matter where you have the repairs made. Have you selected a repair shop or would you like a referral?

New Hampshire
Under New Hampshire law, you are always entitled to use the repair shop or facility of your choice. If we are unable to agree on price with the facility you have chosen, New Hampshire law provides that our payment for repair cost may be limited to the price available from a recognized, competent and conveniently located independent repair shop or facility that is willing and able to repair the damaged motor vehicle within a reasonable time. You may be responsible for the difference between our payment and the price charged to you by the facility you have chosen. Upon your request, we will furnish a written disclosure of the factual basis for our determination of the fair and reasonable price. If you are our insured and disagree with our determination of the amount of loss, you are entitled to exercise the appraisal provision of your policy.

New Jersey
In accordance with New Jersey Regulation 11:3-10.3(e), you as the Insured may use any repair facility of your own choice. Please be sure the repair shop receives a copy of Liberty Mutual’s estimate. With respect to automobile damage claims, when you elect to use a repair facility of your choice, the law requires that the entity engaged in the business of auto body repair must be duly licensed. In addition, Liberty Mutual is prohibited by law from negotiating, adjusting or settling any automobile damage claim with an unlicensed facility.

New York
PURSUANT TO SECTION 2610 OF THE INSURANCE LAW, AN INSURANCE COMPANY CANNOT REQUIRE THAT REPAIRS BE MADE TO A MOTOR VEHICLE IN A PARTICULAR PLACE OR REPAIR SHOP. YOU HAVE THE RIGHT TO HAVE YOUR VEHICLE REPAIRED IN THE SHOP OF YOUR CHOICE.

Oregon
OREGON LAW PROHIBITS US FROM REQUIRING YOU TO GET REPAIRS TO YOUR VEHICLE AT A PARTICULAR MOTOR VEHICLE REPAIR SHOP. YOU HAVE THE RIGHT TO SELECT THE MOTOR VEHICLE REPAIR SHOP OF YOUR CHOICE.

Pennsylvania
YOU HAVE THE RIGHT TO CHOOSE THE LICENSED REPAIR SHOP WHERE THE DAMAGE TO YOUR MOTOR VEHICLE WILL BE REPAIRED.

Texas
Your statutory rights regarding motor vehicle repairs are explained in the following copy of the Insurance Code s 1952.301 to 1952.307, SUBCHAPTER G. REPAIR OF MOTOR VEHICLES

Sec. 1952.301. LIMITATION ON PARTS, PRODUCTS, OR REPAIR PERSONS OR FACILITIES PROHIBITED.

1. Except as provided by rules adopted by the commissioner, under an automobile insurance policy that is delivered, issued for delivery, or renewed in this state, an insurer may not directly or indirectly limit the insurer's coverage under a policy covering damage to a motor vehicle by:
   1. specifying the brand, type, kind, age, vendor, supplier, or condition of parts or products that may be used to repair the vehicle; or
   2. limiting the beneficiary of the policy from selecting a repair person or facility to repair damage to the vehicle.
2. In settling a liability claim by a third party against an insured for property damage claimed by the third party, an insurer may not require the third-party claimant to have repairs made by a particular repair person or facility or to use a particular brand, type, kind, age, vendor, supplier, or condition of parts or products.
   Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.

Sec. 1952.302. PROHIBITED ACTS IN CONNECTION WITH REPAIR OF MOTOR VEHICLE.
In connection with the repair of damage to a motor vehicle covered under an automobile insurance policy, an insurer, an employee or agent of an insurer, an insurance adjuster, or an entity that employs an insurance adjuster may not:

1. solicit or accept a referral fee or gratuity in exchange for referring a beneficiary or third-party claimant to a repair person or facility to repair the damage;
2. state or suggest, either orally or in writing, to a beneficiary that the beneficiary must use a specific repair person or facility, or a repair person or facility identified on a preferred list compiled by an insurer for the damage repair or parts replacement to be covered by the policy; or
3. restrict the right of a beneficiary or third-party claimant to choose a repair person or facility by requiring the beneficiary or third-party claimant to travel an unreasonable distance to repair the damage.
   Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.

Sec. 1952.303. CONTRACTS BETWEEN INSURER AND REPAIR PERSON OR FACILITY.

1. A contract between an insurer and a repair person or facility, including an agreement under which the repair person or facility agrees to extend discounts for parts or labor to the insurer in exchange for referrals by the insurer, may not result in a reduction of coverage under an insured's automobile insurance policy.
2. The commissioner may adopt rules under Chapter 542 with respect to any fraudulent activity of any party to an agreement described by Subsection (a).
   Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.

Sec. 1952.304. PROVISION OF INFORMATION REGARDING REPAIRS.
An insurer may not prohibit a repair person or facility from providing a beneficiary or third-party claimant with information that states:

1. the description, manufacturer, or source of the parts used; and
2. the amounts charged to the insurer for the parts and related labor.
   Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.

Sec. 1952.305. NOTICE OF RIGHTS REGARDING REPAIR OF MOTOR VEHICLE.

1. At the time a motor vehicle is presented to an insurer, an insurance adjuster, or other person in connection with a claim for damage repair, the insurer, insurance adjuster, or other person shall provide to the beneficiary or third-party claimant notice of the provisions of this subchapter.
2. The commissioner shall adopt a rule establishing the method or methods insurers must use to comply with the notice provisions of this section.
   Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.

Sec. 1952.306. COMPLAINTS.
A beneficiary, third-party claimant, or repair person or facility may submit a written, documented complaint to the department with respect to an alleged violation of this subchapter.
Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.

Sec. 1952.307. RULES.
Rules adopted by the commissioner to implement this subchapter must include requirements that:

1. any limitation described by Section 1952.301(a) be clearly and prominently displayed on the face of the insurance policy or certificate in lieu of an insurance policy; and
2. the insured give written consent to a limitation described by Section 1952.301(a) after the insured is notified orally and in writing of the limitation at the time the insurance policy is purchased.
   Added by Acts 2005, 79th Leg., ch. 727, Sec. 2, eff. April 1, 2007.

For questions about your statutory rights regarding motor vehicle repairs, please contact the Texas Department of Insurance at:

Consumer Protection Division
P.O. Box 149091
Austin, TX 78714-9091
Phone: (800) 252-3439,
Fax: (512) 475-1771,
Email: ConsumerProtection@tdi.state.tx.us,
Online: www.tdi.state.tx.us

You may have your vehicle moved to the repair shop of your choice. If your vehicle is currently in a storage facility, please notify me immediately and move it to a location where it will not incur storage fees.

Generally, we determine a vehicle to be a total loss when the cost of repairs nears the value of the vehicle. If your car is a total loss, a total loss specialist will contact you regarding the value and explain the total loss process.

If you’re uncertain about which repair facility to select, please contact your Liberty Mutual Claims Representative for assistance. Remember, the choice of repair shops is yours. The shop will schedule your repairs and order any necessary parts. Please confirm that the shop has received the parts before dropping off your vehicle for repairs.

Any payment Liberty Mutual may make for the damage to your vehicle is based on our policyholder's legal obligations under the law of the state in which the accident occurred.

If the shop finds additional or hidden damage, the shop must contact Liberty Mutual immediately. We then reinspect the vehicle before the additional damage is authorized for repair

California, Colorado, Montana, New Hampshire, New Jersey
If our insured is found at fault for the accident and we agree to pay for your vehicle damage, we will provide compensation for comparable transportation. Please contact me to discuss the details and for assistance with arrangements. Here are some of your options:

• While your vehicle is being repaired, I can arrange a rental vehicle for you.
• If your vehicle has been undrivable since the accident, I can reimburse you the cost of a comparable rental vehicle.
• If you’d like to arrange for your own replacement vehicle, please contact me about billing.

You are responsible for any of the following charges related to the rental: gas, mileage, insurance offered through the rental agency, drop off charges, and fees charged for underage drivers (typically, drivers younger than 25).

Your rental will end following a reasonable time period after we’ve notified you of the value of your vehicle, or when your overall rental limit is exhausted, whichever comes first. As a result, our payment will also be limited to that period reasonably required to repair or replace the vehicle. This same information applies if your vehicle was stolen and not recovered.

The amount of time we will pay for a rental vehicle is based on how long the repair will take. This time period is listed under “days to repair” on your estimate.

Your rental begins the day repairs begin and after the repair shop receives the parts. We recommend that you schedule repairs early in the week to avoid delays. The rental period does not include unnecessary delays such as:

• You don’t promptly notify us of the vehicle recovery location.
• You don’t release the vehicle from a tow yard as soon as possible.
• You don’t authorize the shop to start repairs.
• The repair shop does not secure the necessary parts ahead of time when the vehicle is safe to drive.
• The repair shop delays the completion of the repairs or release of the vehicle when the repairs are complete.

• If your vehicle is safe to drive, don’t leave it for repairs until the parts have been delivered to the shop.
• If your vehicle is not drivable or is not safe to drive, make sure it’s taken to a repair shop that can start the repairs immediately. Of course, you can use any shop you choose.
• Schedule repairs early in the week to avoid delays.
• Make sure your estimate is written and approved by Liberty Mutual.

Check with the repair shop frequently to make sure the repairs related to your claim are completed promptly. If additional time is needed, please notify your Liberty Mutual Claims Representative to review your rental needs.

If the vehicle involved in the accident contained a child safety seat, please notify me.

If you were injured as a result of this accident, we will request additional information needed to evaluate your claim.

If it’s determined that our insured is responsible for your injuries, we’ll discuss your bodily injury claim with you in more detail.

Once we verified the damages to your property, we’ll pay for the accident-related damage. If you haven’t already arranged with us to inspect your property, please contact me immediately by email or my direct contact number above.

Alaska
The State of Alaska has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Alabama
The State of Alabama has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Arkansas
The State of Arkansas has a 3-year Statute of Limitations for property damage claims and 3 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 3 years of the date of your accident for Property Damage and 3 years for Bodily Injury in order to protect your right to recover damages.

Arizona
The State of Arizona has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

California
The State of California has a 3-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 3 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Delaware
The State of Delaware has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Kansas
The State of Kansas has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Kentucky
The State of Kentucky has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Minnesota
The State of Minnesota has a 6-year Statute of Limitations for property damage claims and 6 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 6 years of the date of your accident for Property Damage and 6 years for Bodily Injury in order to protect your right to recover damages.

Missouri
The State of Missouri has a 5-year Statute of Limitations for property damage claims and 5 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 5 years of the date of your accident for Property Damage and 5 years for Bodily Injury in order to protect your right to recover damages.

New Jersey
The State of New Jersey has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Nevada
The State of Nevada has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Ohio
The State of Ohio has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Oklahoma
The State of Oklahoma has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Oregon
The State of Oregon has a 6-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 6 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Pennsylvania
The State of Pennsylvania has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.

Rhode Island
The State of Rhode Island has a 10-year Statute of Limitations for property damage claims and 3 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 10 years of the date of your accident for Property Damage and 3 years for Bodily Injury in order to protect your right to recover damages.

Utah
The State of Utah has a 3-year Statute of Limitations for property damage claims and 4 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 3 years of the date of your accident for Property Damage and 4 years for Bodily Injury in order to protect your right to recover damages.

Vermont
The State of Vermont has a 3-year Statute of Limitations for property damage claims and 3 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 3 years of the date of your accident for Property Damage and 3 years for Bodily Injury in order to protect your right to recover damages.

Washington
The State of Washington has a 3-year Statute of Limitations for property damage claims and 3 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 3 years of the date of your accident for Property Damage and 3 years for Bodily Injury in order to protect your right to recover damages.

West Virginia
The State of West Virginia has a 2-year Statute of Limitations for property damage claims and 2 years for Bodily Injury. This means you must either settle your claim or file a lawsuit within 2 years of the date of your accident for Property Damage and 2 years for Bodily Injury in order to protect your right to recover damages.