Until when can I activate auto insurance coverage?

The limitation period can be up to 3 years.

You have taken out car insurance and now your vehicle is protected and has a range of coverage to drive on the streets. However, if an accident occurs, you will need to request compensation and in this case there is a deadline to do so.

Of course, most people contact their insurance company as soon as an accident occurs to be reimbursed for their losses, however, there are people who put off making this contact.

If this occurs for a long time, the limitation period, i.e. the right to insurance coverage, is lost.

Therefore, if you don't want to lose money, it's best to report the claim as soon as it occurs. However, if you haven't done so, check whether you can still file a claim.

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Auto insurance limitation period

First of all, it is necessary to understand that this limitation period was not chosen at random, it is provided for in the Civil Code, articles 189 and 206.

There is a difference in periods when it comes to the insured and third parties. This is because the insured has 1 year to request compensation, while the third party has a period of 3 years.

However, regardless of this period, the incident must have occurred during the insurance period. The period begins to count according to the type of occurrence.

Third party prescription

Even though the third party is not the person who took out the insurance, he or she has the right to receive compensation if the person responsible for the damage has this type of coverage.

If the matter is related to a collision, there will be a 3-year period for the insurance company to be contacted and pay for the material or moral damages caused.

If the compensation is related to the death of a passenger or third party, the start date will be the date of death and not the time of the accident.

Insured's prescription

In cases of disability, this period begins to count from the moment the disability is confirmed by Social Security.

In the case of damages caused to third parties, the start occurs when the insured gives consent for the reimbursement of the amount after the insured assumes guilt or upon notification of legal action brought by a third party.

For other cases such as collisions and other coverage, the date starts counting from the moment the claim occurs.

Although there are these deadlines, it is possible for the insured to extend this period. It will be necessary to pay an additional premium and include in the policy that the limitation period was extended and for what period.