What is the time limit on filing an auto insurance claim?

Question Details: I was involved in a vehicle accident 3 years ago; it was the fault of the other driver. As my insurance at the time did not include collision, it was up to me to pursue a claim with the other driver's insurance. I filed a claim with them within days of the accident. Time passed, the insurance company became insolvent, the claim was picked up by CIGA, bla bla bla. Now the agent for CIGA is telling me the time limit of 3 years has passed. I argue that the limitation is on the filing of the claim. She argues the limitation is for settling the claim.

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