Two hands exchanging an insurance document.

What is the State Farm insurance claim time limit?

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By Yosi Yahoudai
Founder and Managing Partner

If you’re injured in an accident involving a State Farm policyholder, you may have heard that there is a time limit to how long you can wait before filing an insurance claim. Generally, you have two years to settle an insurance claim but still, it’s important to report your claim promptly.

Your insurance company might mandate reporting your loss within a certain period. Some policies grant you 72 hours, but consult your insurer to verify the exact timeframe.

Keep in mind that State Farm filing deadlines are separate from the statute of limitations for filing a personal injury lawsuit. California operates under an at-fault system, allowing you to seek compensation if your car accident was caused by another driver.

Filing Your State Farm Accident Report

You can initiate the process of filing a claim by calling State Farm’s claims phone number at 800-SF-CLAIM or 800-732-5246.

You can report your accident 24/7. Prior to reporting the claim, you should gather as much information about the accident as possible. This includes:

  • Policyholder’s name and policy number;
  • Date, time, and location of the accident;
  • Vehicle make and model;
  • Police report number; and
  • License plate number of the vehicle.

You should report the accident even if you lack some of the listed information.

What to Mention When Calling the State Farm Accident Phone Number

Exercise caution when calling the State Farm accident phone number and talking to the assigned insurance adjuster. Claims representatives may seek information they can use against you during their investigation. Though they may seem helpful, they’re not on your side. The adjuster might request a recorded statement.

Avoid providing a recorded statement without first consulting a California car accident lawyer. Never admit fault while talking to the adjuster. Be careful with your words to avoid unintentionally revealing something. Keep your responses short and factual, and avoid speculating about the accident’s cause.

If the adjuster makes an initial settlement offer, consider not accepting it, as it may be less than your case’s worth.

If you are asked to sign legal documents, consult an attorney first.

Reach Out to a California Car Accident Lawyer at the J&Y Law Firm

While there’s no specific State Farm insurance claim time limit, report the accident promptly and then contact the personal injury and accident attorneys at J&Y Law to request help. Our legal team can help you pursue the compensation you deserve after an accident involving a State Farm insured driver.

Our attorneys will protect your rights and guide you through the claims process to avoid jeopardizing your potential settlement. Remember that State Farm’s goal is to give you as little compensation as possible, while our goal is to get you as much as possible. We have a long history of winning against the big insurance companies, so you can trust us to have your best interests at heart.

Contact us today to schedule a free consultation and to learn how we can assist you.

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About the Author
Yosi Yahoudai is a founder and the managing partner of J&Y. His practice is comprised primarily of cases involving automobile and motorcycle accidents, but he also represents people in premises liability lawsuits, including suits alleging dangerous conditions of public property, third-party criminal conduct, and intentional torts. He also has expertise in cases involving product defects, dog bites, elder abuse, and sexual assault. He earned his Bachelor of Arts from the University of California and is admitted to practice in all California State Courts, and the United States District Court for the Southern District of California. If you have any questions about this article, you can contact Yosi by clicking here.