Each State has it’s own rules and regulations regarding Statute of Limitations, meaning each State’s law determines how long the claimant has to file. Typically there is a 2 or 3-year time limit to file a claim. Property damage and personal injury Statute of Limitations also vary in length of time. Property damage commonly has about the same or slightly longer time frame than a personal injury to file a claim. It’s never a good idea to wait too long although, in some cases such as personal injury claims the victim may not experience injuries until months later. Some side effects may not even develop until after the time limit has passed. It’s highly recommended that you contact your insurance company shortly after the occurrence in order to file a claim to be certain no time limit will restrict you from possible compensation.