What are the time limits for filing an insurance claim?

The time limits for filing an insurance claim in Arkansas vary depending on the type of insurance. Generally speaking, claims for medical and injury-related insurance must be filed within one year from the date the injury occurred or the date the medical service was provided. Claims for property damage insurance must be filed within three years of the date of the damage to the property. Claims for life or disability insurance must be filed within two years of the date of death or disability. It is important to note that these time limits are not set in stone. If the claimant is able to provide evidence that the claim was delayed due to extenuating circumstances, the claim may be accepted even if it was filed after the designated time limit. In Arkansas, the burden of proof for extenuating circumstances rests with the claimant to demonstrate that the time limit should be extended. When filing an insurance claim, it is always recommended to file the claim as soon as possible to ensure that it is received in a timely manner. If the claim is not filed within the designated time limit, the claimant may face difficulties in getting the claim approved or obtaining the appropriate benefits. It is important to be familiar with the insurance claim time limits in order to ensure that the claim is filed in a timely manner.

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