BAA does not have a time limit for reporting a loss. However it is essential that repairs are done in a timely way. BAA has the authority to reduce or reject a loss payment if the damage has worsened due to neglect.

Body shop repairs can be shockingly expensive and it is not strange for minor looking damage to exceed the value of your vehicle. If BAA ends up writing off your vehicle long after an accident, your payout will be based on the market value of your vehicle type when you report it. This could be much lower than at the time of loss.

In general BAA will cancel your policy effective on the date of loss, but if you delay to report the damage and/or continue to operate the vehicle for an extended period of time BAA will not be obligated to backdate the cancellation.