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While there's a statute of limitations associated with cars and truck mishaps, and while time isn't necessarily in your corner, no law requires you to speak to your insurer before you're ready to do so or before you've received adequate advice from an auto accident lawyer.
The law of constraints on personal injury and property damages insurance claims is 2 years from the day of the accident (Texas Civil Method and Remedies Code section 16.003 ). The clock will certainly not start ticking till the day of injury discovery if you do not uncover your injuries up until after the date of the accident.