Auto insurance may not fully cover all your claimable damages in the aftermath of a car accident. In this situation, the injured driver can proceed with filing a personal injury claim against the at-fault driver. A successful personal injury claim can help them recover compensation for any damages not covered by the at-fault driver’s auto insurance. You have a limited time in which to file an auto insurance claim after an accident, and the statute of limitations for a subsequent personal injury suit is two years from the date the accident occurred.