Your state has fairly long statutes of limitations (SOL), or time periods within which legal actions must be brought. (How long you have to file the lawsuit effectively determines how long you have to bring the claim, since once you can no longer sue, you cannot enforce the claim). A claim for property damage in your state may be brought within 10 years of the accident, so you would have a little less than 10 years (since you need to leave time to file the lawsuit, if necessary) to present a claim to the other side or their insurer.