The clock usually starts ticking on the day of the accident, although each state has its own statute of limitations. Your personal injury claim may also have a different date than your property damage claim. That’s a key reason why it’s important to hire a personal injury lawyer who understands all the deadlines and can develop a sound legal strategy for your claim. And keep in mind that while most states give you 2-3 years to settle your insurance claim, the courts will reject claims filed even a few days past the deadline.