So in Arizona, some people have asked me how long they have to report an accident. And typically your own insurance has language in the policy that says that you’re under an obligation to report the claim within a reasonable amount of time. That could be a few days up to weeks. It could even be months if it’s viewed as reasonable. The best practice, however, is to report the claim as soon as possible so you’re not wondering about whether the insurance company is going to extend coverage or deny you coverage on the policy because they view what you did as unreasonable under the circumstances.
