The statute of limitations for filing an insurance claim in most
U.S. states is 2 years from the "date of occurrence".
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Yes
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Sorry, the driver with no insurance can claim of your insurance.
He/she has no legal right to lodge such unauthorised claim.
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Selling your car with insurance claim pending, will simply null
and void your insurance claim. Because your damaged car can be
subjected to inspection by the Assessor of the Insurance Co. for
assessment of the insurance claim any time.