What is the statute of limitations for insurance claims?

In Pennsylvania, the statute of limitations for filing insurance claims is two years from the date of the accident or occurrence giving rise to the claim. After this two-year period has passed, the claimant may not pursue legal action against their insurer for that particular claim. However, Pennsylvania does allow for some exceptions to this two-year rule. Exceptions include if the claimant can prove that they had no knowledge of the incident prior to the expiration of the two-year period or if fraud or concealment was used by the insurer to prevent the claimant from filing a claim. In addition, the Pennsylvania Supreme Court has held that a new two-year period begins when the evidence of the loss is discovered, regardless of when the loss actually occurred. It is important to note that the two-year statute of limitations for filing insurance claims in Pennsylvania is only applicable to first-party claims. This means that, for claims against third-party insurers (e.g., another driver’s insurance company), the statute of limitations is much stricter and may potentially be as short as six months. It is highly recommended that, if you have been injured in an accident or other incident resulting in loss, you should consult a qualified insurance lawyer as soon as possible to discuss your rights and the applicable statutes of limitations.

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What is the statute of limitations for insurance claims?

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