totally depends on company & specifics. in your case, from date of accident, i think. i had a minor accident (w/ my own garage!) & it was only 2 years.

I’ve found some helpful info here too:

Have a nice day.

Depending were you live it can be from 5 to 6 years for Accidents and 3 years for conviction (I am in Ontario Canada)
your accident will only be affected from the date of the accident and not the settlement date..
So don’t worry you only have 1 or 2 more years to go..

Typically most companies look back three years for at fault accidents and traffic tickets and five years for DWIs. It will only affect you three years from the date of the accident, not the settlement.

i think from the date of the accident

Legally, your carrier is abrogated to your right of recovery. As you may know, this is just for the amount that they pay. However, your carrier has as much right to _anything_ paid by the other person as you do. So if you collected anything from the other person, your carrier would legally be entitled to at least a portion of it.

You could let your carrier seek recovery of the amount they are owed and usually this would include asking for your deductible but seldom will they ask for your rental payment. Also, it’s unlikely that they will collect much of anything.

With that said, about your only recourse is to file in small claims court. This will get you a peice of paper called a judgement. It’s not money… it’s just a judgment. Still no guarentees you will be able to collect. If you could/do… I’d say keep it and let you carrier find out on their own if they can. That is just my opinion.

My other recommendation is to make sure the police or at least the state knows that this person is uninsured (if GEICO confirms this). That way the state can suspend the person’s drivers license until they pay you what she owes. If the state does not find out, she will continue to drive and cause someone else the same loss you suffered.

1. Depending on your state, you may be able to collect using small claims court.

2. Otherwise, if you have uninsured/underinsured motorist coverage on your vehicle, you can use that and your insurance will go after her.

3. Sometimes other insurance companies like to dink around hoping that you will pay for your own repairs. You can make a complaint with your states insurance board/attorney general’s office/better business bureau or you can let them know that you plan on filing a complaints(sometimes that puts a little fire under them and suddenly paperwork gets found and claims go through.)

Good Luck!

I use Liberty Mutual in New York and they’re great. Allstate is also awesome- all my friends use them. I only use Liberty Mutual because my family has been using them since day 1.
My dad’s car got stolen 3 times in one year, and Liberty Mutual took care of all those three incidents with no issues on the side.
Don’t go with Geico- I hear they ****.

I suggest you shop around. Progressive’s commercials about doing the shopping for you is somewhat illegal, so please do the shopping yourself. Call every insurance company to get the best deal. If you can’t, go ahead to a website that you can post your information on, like E-surance.com, and people will send you a personalized quote. If you just now got a license, that would make you under 25, which will make your insurance a bit higher. Also if you’re male, it will be higher. If it’s an expensive car with full coverage (meaning you’re totally covered, and in the case of a totalled car, you get a grand-spanking new one), its gonna be higher. If you have bad credit, it will be higher. There are a lot of things to consider.

I know for a fact, State Farm, Allstate, and other quality insurance companies will not insure people with 3 or more at-fault accidents or tickets WITHIN THE HOUSEHOLD, and will not insure you if you have a DUI IN THE HOUSEHOLD. Your household counts. If you live with a relative that has a DUI, be sure to know that you will be a “high-risk” case and cannot be insured by State Farm, etc, in which case, go with Safe Auto or Geico.

Hope this helps!

Why you limit yourself to the rental car insurance? Maybe you can have more choices.

Oh, look at those low rates.