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       #Post#: 125088--------------------------------------------------
       Scotland - How long does a third party have to make an insurance
       claim?
   DIR By: Biggles
       Date: July 19, 2026, 5:30 am
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       I have a friend who lives in Scotland.  A few weeks ago, with
       his teenage child in the passenger seat, he parked in a car park
       in town.  When he came back to his car, the cars either side had
       been replaced by new arrivals, and someone had left a note on
       his windscreen, which accused him of hitting their car whilst
       parking.  That was literally all it said - no contact details,
       insurance details, or threats of the police, just "You hit my
       car when you parked".  He has no recollection of making contact
       with the cars on either side of him whilst parking, nor does his
       teenager, and there was no damage to his car which indicated
       he'd done so.  There is no CCTV at the car park, so it's
       unlikely that there's footage of it occurring.
       He's reported it to the police via 101, and to his insurers, but
       it seems the mystery note writer has yet to come forward.  He
       checks regularly with his insurer, but there are no updates.
       I know there's a limit on how long an injured party has to take
       a case to court, but I was wondering if there was a cutoff date
       for the anonymous note writer to make a claim to the insurer?
       If it was England, I'd be happy to go with what Google's AI
       summary tells me, which is 3 years, but I know from living there
       myself a few years ago that Scottish rules can be different.
       #Post#: 125090--------------------------------------------------
       Re: Scotland - How long does a third party have to make an
       insurance claim?
   DIR By: 666
       Date: July 19, 2026, 6:13 am
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       Don't believe all you're told by AI.
       Six years in E & W, five (AFAIK) in Scotland, for damage-only
       claims.
       Three years applies in both jurisdictions for personal injury
       claims.
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