In Texas, you must file a lawsuit for car accident injuries or property damage within two years of the accident date (Texas Civil Practice & Remedies Code §16.003). Insurance claims should be filed within days of the accident, not years.
Practical deadlines
- Notify your insurer: within 24–72 hours of the accident
- Police report request: file within 10 days of the accident
- PIP claim: file within 30 days
- Lawsuit deadline: 2 years from accident date
- Uninsured motorist claim: varies, often 2–4 years
Frequently asked questions
What is the statute of limitations for car accidents in Texas?
Two years from the date of the accident.
Can I file a claim weeks after the accident?
Yes, but late notice can give your insurer grounds to deny coverage.
This article is for general information only and is not legal or tax advice. For guidance specific to your situation, talk to a licensed Texas insurance agent. Ready to put it into practice? Get a free quote or request a policy review.