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Car insurance claim deadlines are usually much shorter than lawsuit deadlines. For instance, in New Jersey, you have 10 days from the date of the accident to file an accident report. The only time you don't have to file an accident report is if property damage is less than $500 and there are no injuries.
Some minor insurance claims may be filed without a police report. However, NJ law requires you to file an accident report with the police for all incidents with personal injury, death, or property damage over $500. Police reports can be crucial to defending your claim.
If you need to report an accident / crash after the fact, please use the New Jersey Self-Reporting Crash Form located below: .state.nj.us/transportation/refdata/accident/selfreporting.shtm. This link includes a printable version of the form and also an online version available to complete and submit directly online.
You do not have to report a minor car accident in New Jersey if no one was injured and there was minimal property damage. Section 4-130 of New Jersey Statutes Title 39 specifies that you must file a police report following a car accident if either of the following is true: Anyone involved in the accident was injured.
Within 10 days New Jersey requires you to file an accident report within 10 days of the accident. If you wish to file a lawsuit, you have up to two years for an injury claim and six years for a property damage claim. How Long After a Car Accident Can You File a Claim? - NJ.com NJ.com ? Insurance NJ.com ? Insurance