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I damaged my car a year and a half ago, and at the time I was mad and embarrassed at my mistake to the point that I just ignored it ever happened, even though I have full insurance on the vehicle (no other property was damaged). But now I'd like to get it fixed.

Will my insurance company (AAA Insurance) have an issue with the amount of time that has gone by? I realize I could find out by asking, but I don't want to give myself away because I'm trying to decide on if a better option would be to fib about the damage date. I could very easily say the damage happened 3 months ago and I doubt they would be any wiser about it. But if the verdict is that it doesn't matter how much time has passed, then I'd rather tell the truth.

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Statute of limitations varies by state, most are 2 years, according to this article on The Zebra CA gives you 2 years.

Whether or not the statute of limitations has passed, lying about the specifics of the claim would be considered insurance fraud, not worth committing fraud over a car.

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Your contract probably has a maximum period of time for you to report an incident and file a claim. This is typically a short window that can be regulated by your local state government. I've heard it as low as seven days. It's unlikely that your state would force a deadline as long as a year.

Your last couple of sentences are about insurance fraud; I'd avoid insurance fraud.

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  • I ended up filing my claim and told them it happened last year and it was no issue. Not sure if your information is true for any other areas, but in CA it turned out not to be.
    – Brimby
    Aug 31, 2018 at 5:27
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"I could very easily say the damage happened 3 months ago and I doubt they would be any wiser about it."

The last time I had my car in for repairs under an insurance claim they made sure that nothing I was claiming was showing rust. They wanted to make sure I wasn't tacking on other older damages to the claim.

Don't give incorrect information regarding the damage, the date, and the cause. You don't want them to cancel your policy or charge you with insurance fraud.

The state government controls insurance law. I checked with my state insurance website and couldn't find anything that talked about a statute of limitations. I was able to see information regarding a limit on filing a lawsuit. I have no idea if they are the same.

Something else to consider is that making the claim may cause your policy to increase. Make sure that you understand your deductible level on your policy.

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  • There's no rust because it's a fiberglass body. Good tips though.
    – Brimby
    Aug 31, 2018 at 5:22
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Update: I filed the claim. I took the advice that I should just tell the truth and face the consequences. So I told them it happened last year and they didn't bat an eye. So I am getting my car repaired for only $250 deductible and they said it's not going to affect my premium. So it all worked out pretty good for me.

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