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How long after an accident can the insurance claim the money from the guilty party (accident was not covered by a third party insurance at the time). The accident was reported, insurance contacted the guilty party and gave a verbal estimate of the damage, but never came back and claimed the money. Assumed that no repair has followed and if so then the damage might increase (rust getting in etc) over time, when does this expire by limitation or at least how do you make sure you are not held responsible for consecutive damage?