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While there's a law of limitations associated with vehicle accidents, and while time isn't necessarily in your corner, no legislation requires you to speak with your insurer before you prepare to do so or before you've gotten sufficient support from a vehicle mishap attorney.
The law of restrictions on accident and residential property damage insurance claims is 2 years from the date of the mishap (Texas Civil Technique and Remedies Code section 16.003 ). The clock will not start ticking until the day of injury discovery if you do not find your injuries till after the date of the crash.