Sorting through insurance claims and discovering insurance may not be enough to cover your losses takes time. It may be weeks or months after the accident when you discover that an insurance policy may not be able to cover the extent of your car accident damages. Depending on where and when the car accident occurs, the time you must take legal action through a court may not be long. Statutes of limitations are different in every state, and while in one state, a car accident victim might have several years to file a lawsuit, in another, it could be as little as one to two years. Car accident lawyers know how a statute of limitations can affect your case and can make certain when you hire them to represent you that you remain within the time limits established by the laws of your state.