Deadline to Get a Lawyer After a Car Accident (2025)
When is it too late to get a lawyer for a car accident? Quick Answer
- It's usually not too late to hire a car accident lawyer as long as you're within your state's statute of limitations, which typically ranges from 1-6 years depending on the state and type of claim.
Summary
- Statute of limitations impacts how long you have to file a lawsuit
- No-fault and at-fault states affect your compensation options
- Hiring a lawyer helps navigate disputes, injuries, and low settlements
Car accidents are stressful. It is normal to feel overwhelmed as you heal from injuries, cope with emotional trauma, and deal with insurance and repair bills. If you tried to manage everything on your own, you may be wondering whether it is too late to get a lawyer.
In many cases, a personal injury lawyer is still able to help even when you didn’t hire them right away. We’ll walk through the challenges your lawyer will face, and help you decide whether you should be making a call to a lawyer for your case.
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Legal Deadlines: Statute of Limitations
One of the primary deadlines you need to consider is the statute of limitations in your state. This law sets the maximum amount of time you have to file a lawsuit after a car accident. In most states, the statute of limitations is either two or three years. It can be as short as one year (Louisiana and Tennessee), or as long as six years (North Dakota).
State | Statute of Limitations for Property Damage | Statute of Limitations for Injuries |
---|---|---|
Alabama | 2 years | 2 years |
Alaska | 2 years | 2 years |
Arizona | 2 years | 2 years |
Arkansas | 3 years | 3 years |
California | 3 years | 2 years |
Colorado | 3 years | 3 years |
Connecticut | 2 years | 2 years |
Delaware | 2 years | 2 years |
Washington, D.C. | 3 years | 3 years |
Florida | 4 years | 4 years |
Georgia | 4 years | 2 years |
Hawaii | 2 years | 2 years |
Idaho | 3 years | 2 years |
Illinois | 5 years | 2 years |
Indiana | 2 years | 2 years |
Iowa | 5 years | 2 years |
Kansas | 2 years | 2 years |
Kentucky | 2 years | 1 year |
Louisiana | 1 year | 1 year |
Maine | 6 years | 6 years |
Maryland | 3 years | 3 years |
Massachusetts | 3 years | 3 years |
Michigan | 3 years | 3 years |
Minnesota | 6 years | 2 years |
Mississippi | 3 years | 3 years |
Missouri | 5 years | 5 years |
Montanas | 2 years | 3 years |
Nebraska | 4 years | 4 years |
Nevada | 3 years | 2 years |
New Hampshire | 3 years | 3 years |
New Jersey | 6 years | 2 years |
New Mexico | 4 years | 3 years |
New York | 3 years | 3 years |
North Carolina | 3 years | 3 years |
North Dakota | 6 years | 6 years (2 years for wrongful death) |
Ohio | 4 years | 2 years |
Oklahoma | 2 years | 2 years |
Oregon | 6 years | 2 years |
Pennsylvania | 2 years | 2 years |
Rhode Island | 10 years | 3 years |
South Carolina | 3 years | 3 years |
South Dakota | 6 years | 3 years |
Tennessee | 3 years | 1 year |
Texas | 2 years | 2 years |
Utah | 3 years | 4 years |
Vermont | 3 years | 3 years |
Virginia | 5 years | 2 years |
Washington | 3 years | 3 years |
West Virginia | 2 years | 2 years |
Wisconsin | 6 years | 3 years |
Wyoming | 4 years | 4 years |
If you miss the statute of limitations deadline, then you may be barred from starting a legal claim. However, there are circumstances where the deadline is longer than a few years from the car accident. For example, most statute of limitations laws allow the time to run from the date you became aware of an injury. If you weren’t aware that you suffered an injury at the time of the accident, your deadline wouldn’t start until you became aware.
Exceptions to the statute of limitations can extend your ability to file a claim. For instance, if the injured party is a minor, many states allow the clock to start when the victim turns 18. Similarly, if you discover an injury well after the accident, some states permit filing from the date of discovery rather than the accident itself. In some cases, parties may enter into a tolling agreement, which pauses the statute of limitations. This can provide additional time to negotiate a resolution or address legal concerns while preserving your right to file a lawsuit. A lawyer can evaluate whether these exceptions apply to your case.
The best way to know for certain whether your claim can meet the statute of limitations is to consult with a lawyer. Fill out the form on this page to get started today.
Navigating Insurance Laws: No-fault vs. At-fault Systems
Different states have different insurance systems. The system in place in your state can strongly impact your options after a car accident. The two main types of insurance systems are no-fault and at-fault. The system in place is established by state laws.
In no-fault states, while lawsuits for minor injuries are limited, a lawyer can still be invaluable for negotiating fair compensation with your insurer. In at-fault states, proving fault can be complex, and insurance companies often try to minimize payouts. A lawyer’s expertise in gathering evidence and challenging lowball offers ensures your rights are protected and compensation maximized.
No-fault States
In a no-fault state, drivers are required to turn to their own insurance companies for compensation no matter who was at fault for the accident. These states require drivers to carry personal injury protection (PIP) insurance.
There are 12 no-fault states:
- Florida
- Hawaii
- Kansas
- Kentucky
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Pennsylvania
- Utah
In these states you usually cannot bring a lawsuit against the other driver for injury compensation except in limited cases of serious injuries. As a result, you may be tempted to settle your car accident claim without a lawyer. However, it can still be a good idea to hire a lawyer in these states.
Lawyers in no-fault states can help you negotiate with your insurance company to ensure you receive fair compensation—something particularly relevant for self-employed individuals. They can also help with cases of serious injury that might allow for legal action against the party that harmed you.
At-fault States
In states that follow at-fault insurance laws, the driver who was at fault for the accident is responsible for compensating those they harmed. Typically, this means that you file a third party claim for compensation through the insurance company that insured the at-fault driver.
In at-fault states, it is common to need assistance navigating insurance claims. Since fault is at the heart of compensation decisions, it is crucial that you be able to prove who caused the car accident. Lawyers in these states are well-versed in how to collect evidence after a car accident and demand appropriate compensation from insurance companies.
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When You Need a Lawyer After a Car Accident
Consulting with a lawyer as soon as possible after a car accident is a good idea in many scenarios, including:
- If you sustained significant injuries in the crash
- If there is disagreement over who was at fault
- When you need to determine who is responsible in an accident without insurance
- When the other driver is a commercial truck driver
- If the accident involved a motorcyclist, bicyclist, or pedestrian
- When an accident occurs in a construction zone
- When recovering from the accident causes you to lose work income
Even if you did not find yourself in one of the above scenarios, or if you initially thought you didn't need a lawyer, things can change. For example, consider consulting with a car accident lawyer if the settlement offer you receive from insurance does not seem fair. This is especially true if you were not at fault—being blameless doesn’t guarantee that the claims process will go smoothly. You don’t have to hire a lawyer immediately for them to be effective.
Additionally, bus accidents often involve unique legal complexities, especially when government-operated buses are involved. A bus accident lawyer can navigate the specific procedures, deadlines, and liability rules, ensuring your claim is filed correctly and maximizing your chances of fair compensation.
A lawyer doesn’t just negotiate with insurance companies; they also calculate the full scope of your damages. This includes lost wages from time off work and non-economic losses like emotional trauma or reduced quality of life. Without a lawyer, you might overlook critical compensation opportunities.
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Frequently Asked Questions
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It is still a good idea to consult with a lawyer, even after a car accident that is your fault. This is especially true if you suffered injuries or if you believe someone else was also partially at fault. Causing a crash could leave you facing unexpected bills and legal liability. Consulting with a lawyer will help protect your rights, ensure you are treated fairly, and in some cases, help you pursue compensation if fault was shared.
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The average settlement for a minor car accident is $12,875. Many factors can influence the value of a car accident case, such as injury severity, missed wages, and emotional trauma. As a result, the best way to determine the value of your own case is to consult with a car accident lawyer, even if it’s a minor one.
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In many states, a lawsuit for injury or death must be filed within two years. However, the statute of limitations that sets this deadline could be shorter or longer in your state. There are also exceptions that can provide more time, such as for cases involving children. The best way to know whether your case is still eligible for legal action is to speak with a car accident lawyer. Fill out the form on this page to get help today.
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It’s possible not to notice injuries after auto accidents, especially internal bleeding and brain injuries. States generally have a discovery rule when it comes to these claims, allowing you to begin the process of seeking compensation when you discover that you have sustained injuries. That is when the statute of limitations’ clock would start.
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Perhaps the only time when it may be too late to hire a personal injury lawyer is if the statute of limitations has passed. Even then, you should consult with an attorney to ensure that there aren’t exceptions that extend the amount of time you have to file.
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In most instances, getting a lawyer after accepting a settlement from the insurance company is not possible unless you can find another negligent party to file against. That’s the case even if the losses you sustain turn out to be more significant than you expected.
A settlement involves signing a release, which prevents you from filing against the insurance company again. Rare exceptions include the involvement of duress or fraud.
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Yes, some accidents call for exceptions. If there are minors or people who are mentally incapacitated involved, the statute of limitations can be tolled until they come of age or regain their ability to begin a claim.
Similarly, if the defendant leaves the state before you can file a claim, the clock stops until they return. If you don’t discover the injury until later, that, too, can be an exception.
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Yes. Not getting fast assistance from an attorney can mean missing out on key evidence and not pursuing every possible liable party. It can also mean not calculating all of the damages you may be entitled to, which could significantly reduce how much you receive.
You may also be approached by insurance companies looking to settle quickly. Without a lawyer, you might accept a lower offer than you deserve.
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Yes. As long as you have not accepted a settlement, an attorney can help. They can ensure that all damages are calculated appropriately and can assist in the process of proving negligence.
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You should generally consider hiring a lawyer if you sustained significant injuries, there's disagreement over fault, the settlement offer seems unfair, or you've lost work income due to the accident. A lawyer may also be valuable in no-fault states for negotiating with your own insurance company or in cases involving commercial vehicles, pedestrians, or construction zones.