Simply put, personal injury lawsuits against an at-fault driver must be filed within 3 years from the date of the accident, while no-fault insurance claims for the same accident get 6 years.Click to see full answer. Likewise, how long do you have to make a claim?Most policies do not provide a strict deadline or window of time (30 days, 60 days, etc.). Instead, you are usually required to make your claim “promptly” or “within a reasonable time.” Some states (especially those that follow a no-fault car insurance system) have passed laws that specifically address this issue.Secondly, who pays for car damage in a no fault state? However, in a no-fault state, if you are involved in an accident, your own car insurance company will likely pay for some or even all of your damages, depending on your state’s laws. Moreover, how do I claim a no fault accident? If all else fails, look to your insurer: When to file a claim to your own carrier. Even if you’re not at fault, you can make a claim with your insurance company for payment of damages and injuries — if you have the right coverages. If you have collision insurance, file a claim with your own carrier.When should you not file a car insurance claim? When NOT to file a claim If you’re in a single-car accident that involves less than $1,000 in damage, you might be better off not filing a claim. For instance, if you back into a pole and the only damage is to your vehicle, you might want to pay for the repairs yourself and avoid facing possible insurance rate hikes.