How long does it take for the insurance claim to expire if the other party doesn't repair the car?
2 Answers
If the other party doesn't repair the car after filing an insurance claim, it will expire in two years. Claim validity period: For property insurance, the insured or beneficiary must request compensation or payment from the insurer within a two-year limitation period, calculated from the date they knew or should have known about the insurance incident. All auto insurance claims are valid for two years. If the other party doesn't repair the car after filing an insurance claim, the claim will expire after two years. Legal basis: Article 26 of the "Insurance Law of the People's Republic of China": For insurance other than life insurance, the limitation period for the insured or beneficiary to request compensation or insurance payment from the insurer is two years, calculated from the date they knew or should have known about the insurance incident. For life insurance, the limitation period for the insured or beneficiary to request insurance payment from the insurer is five years, calculated from the date they knew or should have known about the insurance incident.
I have carefully studied the regulations related to car insurance and found that the time limit for insurance claims is crucial. Typically, counting from the day of the accident, insurance companies require you to submit a valid claim request within two years. After filing the claim, the other party not repairing their car does not directly invalidate the claim—it is merely a form of delay. The key is to actively advance the claims process because, if more than two years pass, legal support for recovery may no longer be available. My advice is to keep all evidence such as accident photos or reports, contact the insurance company immediately to submit details, and not wait too long to avoid missing the deadline. Some people mistakenly believe that filing a report is the end of the matter, but delays can cause evidence to fade or be lost, increasing the risk of disputes. Taking timely action ensures that your rights are not overlooked.
