Can you submit a claim for accident from three months ago if your truck was in your driveway with no one in it and someone hit it?

It depends on where you live! Each State has its' own insurance statutes, believe it or not! I worked 15 years as a claims adjuster in Florida. In that State, you sould do the following: 1. Report to police! 2. Report to your insurance Company. If you have collision coverage, it will pay for repair minus your deductible. They will then go after (subrogate) the At Fault party and their insurance company. If and when your inusrance company recovers what they paid out, they should also collect your deductible and give that money to you~