After a car accident, the time limit is only one part of the story. What really matters is what we do early, because the first few steps can shape the entire case. The right guidance helps us avoid small mistakes that can turn into big problems later.
In the video, Atty. Matthew McLain of Turner-Monahan PLLC explains that the deadline is not always two years, and some situations can shorten it quickly, so it is important to talk to a personal injury attorney early.
For personalized advice, please contact Attorney Tyler Monahan, partner at Turner-Monahan, PLLC, to discuss your case.
The General Texas Deadline
In Texas, we typically have two years until the statute of limitations runs. Once the statute of limitations has arrived, our claims are typically barred forever, so we certainly want to file before then.
However, there are important exceptions that we should be aware of. These exceptions can change how soon we need to act, or in some cases, how much time we may potentially have.
Also, a different type of exception is for minors. If somebody is below the age of 18 when they are injured in a crash, they may potentially have longer than two years to pursue their claims.
Whether it’s a car accident, defective product, or serious injury, Matthew T. McLain brings the skill and compassion you need. Reach out today to discuss your case.
If The Crash Involved A Governmental Agency
First, if we were involved in a crash involving a driver of a governmental agency, such as the city or the county, their requirements to get noticed much sooner, sometimes as short as 30 days. So it is very important that we talk to a personal injury attorney as soon as possible, especially in such instances.
When Does The Clock Actually Start
A lot of people hear “two years” and assume the clock starts when we feel ready to deal with the case. But Texas law focuses on when the claim “accrues,” which usually means when the wrongful act causes an injury, even if we do not yet know how serious it will be.
There are rare situations where the start date can be treated differently, such as when an injury is not reasonably discoverable right away, but that is very fact-specific. Also, if a crash results in a death, the law says the claim accrues on the date of death, not the date of the crash. And beyond minors, Texas also recognizes “legal disability” for someone who is “of unsound mind,” which can affect how limitations is counted.
Court Deadlines And Insurance Deadlines Are Not The Same Thing
Even if we are still within the lawsuit deadline, our insurance policy may have its own rules requiring quick notice. If we wait too long to report the crash, it can create avoidable problems with coverage, benefits, or the claim’s smooth progress.
Texas consumer guidance also points people to call their insurance company after a wreck, which is a good reminder that the insurance process starts early, even while we are still figuring out medical care and repairs.
This is one reason a personal injury firm can help early, because we can keep the insurance side clean while also protecting the legal side of the case.
Uninsured And Underinsured Motorist Claims Can Follow A Different Clock
If the at-fault driver is uninsured or has insufficient coverage, we may end up using our own UM or UIM coverage. That kind of case is often treated as a contract-based claim, which many lawyers handle under a four-year limitations period rather than a two-year one.
Even when the timeline is longer, we still have to follow the policy rules, such as giving notice and handling settlements properly, because missing a policy requirement can create problems even if the court deadline has not run out.
Why A Personal Injury Firm Helps More Than A General Lawyer
A personal injury firm focuses on accident cases every day, so we are not guessing how insurance companies handle claims. We know what evidence is actually useful, what paperwork matters, and how to value injuries beyond just the first medical bill. We also understand how to spot common insurance tactics, like pushing a quick settlement before the full impact of the injury is clear.
For thoughtful, trial-tested representation from someone who truly understands what injury victims face, contact Attorney Matthew T. McLain at Turner-Monahan, PLLC.
What We Should Do Early To Protect The Case
It helps to document everything while the details are still fresh. Keeping photos of the vehicles, the scene, visible injuries, and any property damage can be important later.
We should also keep a simple record of medical visits, missed workdays, and how the injury affects daily life, because those details often become part of the claim. If there were witnesses, getting their names and contact information early can also make a difference.
How To Choose The Right Attorney For A Car Accident Case
We should look for an attorney who regularly handles car accident cases, not one who only takes them once in a while. It is fair to ask how the firm communicates, who we will be speaking with, and how often we can expect updates.
We should also ask how the firm approaches settlement versus trial, because some cases need stronger pressure to be taken seriously. Comfort matters too, because we will be sharing personal details, and we should feel heard and respected.
Hire An Experienced Fort Worth, Texas, Personal Injury Attorney
Deadlines matter, but so does everything we do leading up to them. The right personal injury team can help us protect the case, stay organized, and push back when things do not feel fair.
Schedule a free, no-obligation consultation with our Fort Worth personal injury attorneys, Tyler Monahan or Matthew McLain, to discuss your case and explore your options. Let us help you achieve the justice and compensation you deserve.
Check our website for more information about our services. Plus, don’t forget to go through our blog to find out more about your case. There are tons of information on Personal Injury and answers to unique questions like “Choosing the Right Personal Injury Lawyer in Fort Worth”
FAQs Regarding Personal Injury
Personal injury cases are unique, and each situation brings different questions. To save time and provide clarity, here are some topics related to this area of law. For more information, contact our firm, Turner-Monahan, PLLC.
Disclaimer
The commentary and opinions are for informational and educational purposes only and are not intended to provide legal advice. You should contact an attorney in your state for legal advice concerning any particular issue or problem. You can become a client and enter the attorney-client privilege only after hiring Turner-Monahan, PLLC, by signing a written retainer agreement.
