How long do you have after an accident to submit medical payments claims under a personal auto policy?

When it comes to submitting medical payments claims under a personal auto policy, the correct understanding is that you typically have a time frame of within 3 years from the date of the accident to file those claims. This extended period allows policyholders sufficient time to gather necessary documentation, receive medical treatment, and ensure that all relevant medical expenses are accounted for before submitting their claims.

It’s important to note that while some types of claims may have shorter submission periods, medical payments claims in this context specifically have a more lenient approach, giving individuals a reasonable opportunity to address their medical needs and financial obligations related to an auto accident.