Just like claiming personal injuries after a car accident, there is a time limit to file a claim with the insurance company. Each timeframe is different depending on each states laws as well as the insurance providers. However, there is a general timeframe for filing claims for personal injures and property damage. Personal injuries need to typically be filing within a two-year timeframe and usually need proof of medical treatment. And property damage needs to be filed within a three-year timeframe. If you do not file these claims within these timeframes this means the statute of limitations has expired and you can no longer receive compensation for these issues. This does not mean your claim needs to be settled within the statute to limitations however, it must be filed within the timeframe in order to file a claim.