The clock is ticking on your insurance claim

Sheen Panel Service on 30 April 2019

Time limits on insurance claims

Time is of the essence when it comes to road incidents. Whether it's a head-on collision or slight fender bender, it's important that you begin the insurance claims process as soon as possible following an incident.

In truth, the insurance claims process starts before an incident. Having the right policy and protecting yourself is just as important as documenting an incident and making a claim. If you need to make a claim, here are some claim limits from popular insurers.

InsurerTime limit to lodge claim


No defined time limit, but as soon as possible


No defined time limit, but as soon as possible


No defined time limit, but as soon as possible


No defined time limit, but as soon as possible


30 days from date of incident


28 days from date of incident

If you're unsure about your time limit following a road incident, let Sheen Panel Service take the wheel. We specialise in dealing with insurance companies while fixing cars, giving our clients a stress-free experience following an accident.

Here's a timeline of what to expect following a road incident. Most insurance companies follow the same process.

1. Pre-incident preparation

This is any time from now onward. Road incidents are a common occurrence, and it's important to be prepared and protect yourself from property damage.

Have the right policy

This may sound obvious, but owning the correct policy for your budget, vehicle and personal situation is an essential first step. Different policies cater for different things, so be sure to do your research and find the best one for you.

Protect yourself

The effectiveness of your insurance policy is reliant on how well you drive. There's no shame in wanting to brush up on your driving skills. Consider taking a defensive driving course to revisit the best practices on the road.

Spending a little more on your car can also help you in the long run.

2. Immediately after an incident

This is a critical phase of the insurance process. How you react immediately following an incident will dictate whether the rest of the process plays out in your favour.

Don't admit fault

When it comes to road incidents, never admit fault. Admitting fault gives your insurer cause to not pay out your claim, and gives the other driver an avenue to take you for all the damages. Just play it cool.

Document the incident

Take photos of the damage and collect witness statements. These elements will make your insurance claim go much more smoothly. Make hard and digital copies of this evidence.

Call Sheen

when do i need to file an accident claim

Your car is badly damaged and needs repairing, so the next step is to call Sheen Panel Service. We can organise a replacement car to get you around after the incident. While we fix your car, we can help you liaise with your insurer, leaving you to get on with your life.

Start your claim

Once you are clear to leave the scene of an incident, contact your local Sheen Panel Service. If the damage is extensive, you may need to lodge a claim. Relay your experience of the incident to your insurance, and follow up with an email with all of the attached evidence, including dash cam footage, if you have it.

If you aren't sure about something, your insurer will let you know exactly what documentation they require to process your claim. After you have lodged your claim, the waiting begins.

insurance company claim time limit

3. In the weeks following an incident

If your car needs repairs after an incident, Sheen Panel Service should be your first port of call. Our experienced and trusted team of mechanics and panel beaters will have you back on the road in no time. We will also work with your insurer to process your claim with transparency the repairs process should be underway or almost completeIf you are at fault, you will likely need to pay an excess when picking up your car.

If you've been involved in a road incident, call Sheen Panel Service first on 1300 REPAIR. We take the stress out of the claims process, allowing you to focus on yourself, and not your insurance. We will work with your insurer to get you and your car back on the road as soon as possible.