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While there's a statute of constraints connected to cars and truck accidents, and while time isn't always in your corner, no regulation requires you to talk with your insurance provider prior to you're ready to do so or prior to you've gotten appropriate support from a car accident attorney.
The law of limitations on personal injury and home damages cases is two years from the day of the crash (Texas Civil Technique and Remedies Code section 16.003 ). The clock will not start ticking up until the date of injury discovery if you do not discover your injuries up until after the day of the crash.