For personal injury claims in Texas, you have two years from the date of your accident to file a claim. However, you may have as little as 30 days to file a claim with your insurance company. That is why it is important to let your insurance company know you have been in an accident without telling them too much, but enough to get your claim started. Then, you can set yourself up for success by letting your lawyer handle the rest of the talking with the insurance company.