How Long Do You Have to File an Auto Accident Claim in Texas
                     How Long Do You Have to 
File an Auto Accident 
Claim in Texas?
Navigating the aftermath of a car accident can be overwhelming. 
Knowing your rights and the legal timelines is crucial for protecting 
your interests.
Statute of Limitations: The Two-Year Rule
1 2 3
Personal Injury Property Damage Strict Adherence
In Texas, you generally have The same two-year deadline Missing this deadline typically 
two years from the date of the applies to claims for damage to means forfeiting your right to 
accident to file a lawsuit for your vehicle or other personal compensation, regardless of the 
personal injuries. property. merits of your claim.
Exceptions to the Rule
Minors Government Entities
If the injured party is a minor, the two-year Special, often shorter, deadlines apply when 
period typically begins when they turn 18. suing a government entity.
Discovery Rule Absence from Texas
If an injury isn't immediately apparent, the clock If the at-fault party leaves Texas after the 
may start when the injury is discovered or accident, the time they are absent may not 
reasonably should have been discovered. count towards the two-year limit.
Initial Steps After an Accident
Secure the Scene
1 Ensure safety, move to a safe location if possible, and check for injuries.
Call the Police
2 Report the accident, especially if there are injuries, significant damage, or disputes.
Gather Evidence
3 Collect contact information, witness statements, and photos/videos of the scene and 
damages.
Seek Medical Attention
4 Even for minor symptoms, a medical evaluation can prevent complications 
and document injuries.
Contact Your Insurer
5 Report the accident to your insurance company promptly, but avoid 
making recorded statements without legal counsel.
Why Timely Action 
Matters
• Preserves your legal rights within the statute of limitations.
• Ensures fresh evidence (witnesses, scene conditions) is 
preserved.
• Allows for comprehensive medical evaluation and accurate 
diagnosis of injuries.
• Facilitates a stronger claim negotiation with insurance 
companies.
• Prevents potential loss of compensation due to delays.
For expert guidance on your claim, contact a qualified 
Houston Auto Accident Attorney.
Contact Us
Chelsie Garza Law Get in Touch
Protecting your rights and fighting for the Phone: 713-893-8808
compensation you deserve. If you've been injured in an 
Address: 3663 N. Sam Houston Parkway East, 6th 
accident, don't delay – let us help you navigate the 
Floor #200 Houston, Texas 77032
legal process.
Learn more about our services from a 
Houston Personal Injury Attorney.