Statute of Limitations for Auto Insurance Claims in Texas

Texas has several different deadlines that apply to auto insurance claims and related lawsuits. Missing one of them can bar recovery entirely.

Insurance notice

'As soon as practicable' under your policy. Days, not weeks. Late notice can void coverage.

Two years from the date of the accident under Texas Civil Practice and Remedies Code §16.003.

Two years from the date of the accident.

Two years for Chapter 541 violations; four years for breach of contract.

Two years from the date of death.

Six-month written notice plus two-year suit deadline. Critical for school bus, EPISD vehicle, City of El Paso, and TxDOT cases.

Statutes generally toll until the child turns 18, then run two years.

Don't rely on the full statutory period. Evidence disappears, witnesses move, memories fade. File early.

Notice to your insurer should be immediate. The lawsuit statute of limitations is two years for property damage and bodily injury.

Six-month notice deadline plus two-year suit deadline under the Texas Tort Claims Act.

Generally yes — tolls until age 18, then runs two years.

Two years for Chapter 541, four for breach of contract.

Recovery is typically barred. Very narrow exceptions exist (fraudulent concealment, etc.).

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.