Deadlines at a glance
2 jurisdictions: 1 year · 25 jurisdictions: 2 years · 17 jurisdictions: 3 years · 3 jurisdictions: 4 years · 1 jurisdiction: 5 years · 3 jurisdictions: 6 years
| State | General deadline | Notes |
|---|---|---|
| Alabama | 2 years | None |
| Alaska | 2 years | None |
| Arizona | 2 years | None |
| Arkansas | 3 years | None |
| California | 2 years | None |
| Colorado | 2 years | Motor vehicle claims generally have a 3-year limit. |
| Connecticut | 2 years | None |
| Delaware | 2 years | None |
| District of Columbia | 3 years | None |
| Florida | 2 years | Changed by HB 837 (2023): modified comparative fault and a 2-year negligence limit for causes of action after 24 March 2023. |
| Georgia | 2 years | None |
| Hawaii | 2 years | None |
| Idaho | 2 years | None |
| Illinois | 2 years | None |
| Indiana | 2 years | None |
| Iowa | 2 years | None |
| Kansas | 2 years | None |
| Kentucky | 1 year | Motor vehicle claims under the MVRA generally allow 2 years. |
| Louisiana | 2 years | Modified comparative fault (51% bar) for injuries on or after 1 January 2026; earlier injuries use pure comparative fault. The limit rose from 1 to 2 years for injuries on or after 1 July 2024. |
| Maine | 6 years | None |
| Maryland | 3 years | None |
| Massachusetts | 3 years | None |
| Michigan | 3 years | No-fault auto system; non-economic damages barred if plaintiff is more than 50% at fault. |
| Minnesota | 6 years | None |
| Mississippi | 3 years | None |
| Missouri | 5 years | None |
| Montana | 3 years | None |
| Nebraska | 4 years | None |
| Nevada | 2 years | None |
| New Hampshire | 3 years | None |
| New Jersey | 2 years | None |
| New Mexico | 3 years | None |
| New York | 3 years | Pure comparative fault for most claims. Motor vehicle lawsuits started on or after 26 May 2026 are barred if your fault is greater than the defendants' combined fault, and the no-fault serious injury threshold applies. |
| North Carolina | 3 years | None |
| North Dakota | 6 years | None |
| Ohio | 2 years | None |
| Oklahoma | 2 years | None |
| Oregon | 2 years | None |
| Pennsylvania | 2 years | None |
| Rhode Island | 3 years | None |
| South Carolina | 3 years | None |
| South Dakota | 3 years | None |
| Tennessee | 1 year | None |
| Texas | 2 years | None |
| Utah | 4 years | None |
| Vermont | 3 years | None |
| Virginia | 2 years | None |
| Washington | 3 years | None |
| West Virginia | 2 years | None |
| Wisconsin | 3 years | None |
| Wyoming | 4 years | None |
Why the deadline matters for your settlement
Insurers settle because of the risk of a lawsuit. Once the deadline passes, that risk disappears and so does most of your negotiating power. If your deadline is close, filing a lawsuit protects the claim while negotiations continue.
Our settlement calculator shows the general deadline for your state when you enter the accident date.