Asked by user in Washington. Answered by Enjuris Editors.
In reading your question, it’s not clear to me whether the minor is suing the insurance company for mishandling a claim (i.e., a bad faith lawsuit) or whether the minor is suing an at-fault driver.
In either case, the statute of limitations is 3 years. However, the clock doesn’t start ticking until the minor turns 18. To put it another way, the minor will need to file the lawsuit by the time they turn 21.