In most states, the statute of limitations is two years; but there are a few states that differ. You should check your own stateu2019s laws as to the time limitation. By filing an accident claim, I am referring to the last date that you can file a lawsuit to protect the claim.If you are asking how long you have to file an accident claim with an insurance company, the answer is the quicker the better; the time limit may be ruled by your insurance policy, so you should read that policy to be sure, or have any attorney read it.