Omar Khawaja | October 29, 2026 | Car Accidents
If you were hurt in a car accident in Houston, Texas, you may have the right to seek money for your injuries and other losses. However, you must act before certain legal deadlines pass.
Texas law generally gives you two years to file a car accident lawsuit. However, insurance claims may have different deadlines. Understanding these rules can help you protect your rights and avoid losing your chance to recover money.
A Houston car accident lawyer can explain which deadlines apply to your case and help you take the next steps.
What Is the Statute of Limitations for Car Accidents in Texas?
The statute of limitations is the legal deadline for filing a lawsuit. Under Texas Civil Practice and Remedies Code § 16.003, most car accident injury lawsuits must be filed within two years.
The two-year period usually begins on the date of the accident. For example, if your accident happened on June 10, 2026, you would generally have until June 10, 2028, to file a lawsuit.
If you miss the deadline, the court may dismiss your case. That means you could lose your right to seek compensation, even if another driver caused the crash.
Are There Exceptions to the Two-Year Deadline?
Some car accident cases have different deadlines. Certain circumstances may give you more time, while others require faster action.
Examples could include:
- Injured children: The deadline may be paused until the child turns 18.
- Certain mental disabilities: The law may pause the deadline for someone who meets specific criteria.
- Government agencies as a party: Claims involving government agencies may require notice within six months or less.
These exceptions can be difficult to understand. An attorney can review your accident and explain the rules that apply.
How Long Do You Have to File an Insurance Claim?
Filing an insurance claim is different from filing a lawsuit. Insurance companies often require drivers to report accidents promptly. Your deadline may depend on your insurance policy and the type of claim you file.
You should report the accident as soon as possible. Waiting too long could create problems with your claim.
Even if you are speaking with an insurance company, the two-year lawsuit deadline may still apply. Insurance talks generally do not stop that deadline from running.
Why Should You File Your Claim Quickly?
Although you may have two years to file a lawsuit, waiting can make your case harder to prove. Evidence may disappear over time. Witnesses may forget important details, and video recordings may be deleted.
Filing your claim early gives you more time to gather proof and understand your injuries. It also gives your attorney time to investigate the crash, speak with insurance companies, and prepare a lawsuit if needed. Taking action quickly can help protect your right to fair compensation.
What Should You Do After a Houston Car Accident?
The steps you take after a crash can affect your ability to recover compensation.
First, get medical care for any injuries. Some injuries may not show symptoms right away. Next, save important records, including medical bills, repair estimates, and accident photos.
You should also keep copies of any messages from insurance companies. Avoid accepting a settlement before understanding the full cost of your injuries. An experienced attorney can help you review an offer and decide whether it is fair.
Contact the Houston Car Accident Attorneys at Omar Khawaja Personal Injury Lawyers for Help Today
If you were injured in a Houston car accident, do not wait to learn about your legal rights.
The Houston car accident attorneys at Omar Khawaja Personal Injury Lawyers can review your case, explain important deadlines, and help you pursue compensation. Contact our team today for a free case evaluation, discuss your accident, and learn about your legal options.
We proudly serve clients throughout Texas, with offices in Houston and Dallas.
Omar Khawaja Personal Injury Lawyers – Houston Office
5177 Richmond Ave. Suite 1065, Houston, TX 77056
(281) 888-2339
Omar Khawaja Personal Injury Lawyers – Dallas Office
5345 Towne Square Dr Suite 240, Plano, TX 75024
(469) 300-5046