How long do I have to file a personal injury claim?

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Injured due to someone else’s negligence?

Time is ticking—and missing deadlines could cost you your right to compensation.

When you’re dealing with the aftermath of an accident, filing a legal claim might not be the first thing on your mind. But waiting too long can jeopardize your case entirely. New York law sets strict deadlines, known as the statute of limitations, that determine how long you have to take legal action. If you miss that window, you lose the right to seek compensation—no matter how strong your case is.

The time limit varies depending on the type of case—car accidents, slip and falls, medical malpractice, and wrongful death claims all follow different rules. This is why getting legal guidance early is critical. At MB Injury Lawyer, we ensure your claim is filed on time, built with solid evidence, and positioned for maximum compensation—so you don’t leave money on the table.

Not sure how much time you have? Contact us today for a free case review.

Let’s talk about what the statute of limitations really means and how it applies to your case.

What Is the Statute of Limitations?

A statute of limitations is a law that sets a specific time frame within which you can file a lawsuit after an injury or offense. Once this period expires, you lose the legal right to pursue your claim, regardless of its validity. Courts enforce these deadlines to ensure fairness:

  • Preservation of Evidence: Over time, evidence can deteriorate, and witnesses’ memories may fade, making it challenging to ascertain the truth.
  • Prompt Resolution: Encouraging timely filing prevents the indefinite threat of legal action, allowing individuals and businesses to move forward without perpetual uncertainty.

It’s crucial to be aware of these limitations, as they vary depending on the type of case and jurisdiction. For instance, personal injury claims in New York generally have a three-year statute of limitations, but this can differ for other case types or in different states. Understanding and adhering to these timelines is essential to protect your right to seek compensation.

New York’s Personal Injury Claim Deadlines

In New York, the statute of limitations for personal injury claims is generally three years from the date of the accident. This means you have a three-year window to file a lawsuit seeking compensation for injuries sustained due to someone else’s negligence.

However, this timeframe varies depending on the type of case:

  • Car Accidents: You have three years from the date of the collision to file a personal injury lawsuit.
  • Slip and Falls: Similarly, for injuries from slip and fall incidents, the statute of limitations is three years from the date of the accident.
  • Medical Malpractice: These cases have a shorter timeframe. You must file a lawsuit within two years and six months from the date of the malpractice or from the end of continuous treatment related to the malpractice.
  • Wrongful Death: If a loved one has died due to someone else’s negligence, you have two years from the date of death to file a wrongful death lawsuit.
  • Claims Against Government Entities: These have the most stringent requirements. You must file a Notice of Claim within 90 days of the incident and then commence the lawsuit within one year and 90 days from the date of the incident.

Filing your claim promptly is crucial.

Acting quickly allows for the preservation of vital evidence, ensures witness recollections remain fresh, and demonstrates the seriousness of your claim. Early action can significantly enhance the strength of your case and increase the likelihood of securing a favorable settlement.

Remember, these deadlines are strict. Missing them can forfeit your right to compensation. Consulting with a knowledgeable personal injury attorney as soon as possible can help ensure all legal timelines are met, and your rights are protected.

What Happens If You Miss the Deadline?

Once the statute of limitations expires, your legal options shrink drastically—you lose the right to sue, no matter how strong your case is. Courts rarely grant extensions, and insurance companies will take full advantage, refusing to negotiate since they know you can’t take legal action.

While there are rare exceptions—like cases involving minors or delayed injury discovery—most claims are permanently barred if filed late. That means no compensation for medical bills, lost wages, or pain and suffering.

This is why time is everything in personal injury claims. The longer you wait, the harder it becomes to gather strong evidence, locate witnesses, and prove your case.

Not sure if your deadline has passed?

MB Injury Lawyer can review your case and determine your legal options before it’s too late. Contact us today for a free consultation!

Are There Exceptions to the Deadline?

The statute of limitations is usually strict, but certain exceptions can pause or extend the filing deadline. You may have more time to take legal action if you qualify for one of these exceptions. Let’s have a look:

  • Discovery Rule: Not all injuries show up immediately. If you didn’t know you were injured—like with internal damage or delayed symptoms—the clock may start from the date you discovered (or should have reasonably discovered) your injury.
  • Minors & Mentally Incapacitated Victims: If the injured person is under 18 or legally incapacitated, the statute of limitations may be paused. The clock typically starts when they turn 18 or regain legal capacity.
  • Defendant Left the State: If the at-fault party flees, the time they spend out of state may not count toward the deadline, giving you more time to file.

While exceptions exist, they’re not automatic. Courts apply them case-by-case, and insurance companies will fight to deny them. If you think you qualify for an extension, speak to an experienced attorney immediately to protect your rights.

Why You Shouldn’t Wait to File?

Every day you wait to file your claim, your case gets weaker. Evidence disappears, witnesses forget critical details, and insurance companies use delays against you. The longer you wait, the harder it becomes to prove liability and fight for the compensation you deserve. Here are some reasons behind, why you shouldn’t wait:

Lost or Weakened Evidence Hurts Your Case

The strongest personal injury claims rely on fresh evidence—police reports, medical records, accident scene photos, and security footage. The longer you wait, the higher the risk that this evidence disappears or becomes unreliable, making it harder to prove your case.

Witnesses Forget Important Details

Memories fade fast. A witness who could have strengthened your case may no longer remember the key details of your accident. Waiting too long could mean losing valuable testimony that might have helped prove fault and maximize your compensation.

Insurance Companies Use Delays Against You

Insurance adjusters love it when victims hesitate—it gives them an excuse to undervalue, delay, or deny your claim. Filing early shows you mean business and makes it harder for them to dispute your case.

Filing Early Maximizes Your Compensation

The sooner you act, the stronger your case. Prompt medical documentation, immediate accident reports, and fresh evidence increase your chances of securing maximum compensation without unnecessary legal battles.

How a Lawyer Can Help?

Filing a personal injury claim isn’t just about meeting deadlines—it’s about building a strong case that maximizes your compensation. A personal injury lawyer ensures every detail is handled while you focus on recovery. Here is how our experienced team of attorneys can assist you:

We Handle the Legal Work While You Heal

From gathering evidence to filing paperwork and negotiating with insurance companies, an experienced attorney ensures that deadlines are met and that your case is positioned for the best possible outcome.

We Fight to Maximize Your Compensation

Insurance companies will always try to minimize your payout. We respond with aggressive negotiations and, if necessary, take your case to court to fight for what you truly deserve.

No Upfront Fees—You Only Pay If We Win

We work on a contingency fee basis, meaning you pay nothing out of pocket. If we don’t win your case, you owe us nothing—zero risk, all reward.

Don’t Wait Until It’s Too Late

New York’s personal injury statute of limitations is strict—once the deadline passes, your right to compensation is gone forever. Waiting too long can cost you everything, from medical bill coverage to financial security for your future.

If you’re unsure about how much time you have left, don’t gamble with your case. The sooner you act, the better your chances of securing maximum compensation.

Not sure how much time you have left to file?

Let us handle it.

Contact MB Injury Lawyer today for a free case review!

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