What is the statute of limitations for truck accident claims?

July 14, 2025 | Ashley Rae Rawlins
What is the statute of limitations for truck accident claims?

The statute of limitations for truck accident claims is a critical legal deadline that determines how long you have to file a claim after a collision. While the rules may seem straightforward, they often depend on various factors that can change your legal timeline.

Adhering to the deadlines isn’t just about filing on time; it’s about maintaining your right to seek maximum compensation for the harm caused by negligent truckers, trucking companies, or potentially liable third parties.

Insights from an experienced truck accident attorney can help clarify how these timelines work, the exceptions that may apply, and when you should consider seeking legal support to recover damages and losses suffered in the accident.

What is the Statute of Limitations for Truck Accident Claims?

The statute of limitations sets the legal deadline to file a truck accident claim—miss it, and you may lose your right to compensation. Here’s what to know:

  • Standard deadline: In most states like California, you have 2 years from the accident or date of death (for wrongful death claims).
  • Discovery rule: If injuries aren’t immediately apparent, the timeline may start when the injury is diagnosed.
  • Minors: The clock usually pauses until the child turns 18, unless a guardian files sooner.
  • Claims against government entities: Deadlines are much shorter—often just 6 months to file a notice of claim.
  • Why it matters: Missing the deadline can mean forfeiting money for medical bills, lost income, and long-term care.
  • Legal support: A truck accident attorney helps preserve evidence, track deadlines, and file on time—even in complex cases.

When Should I File a Truck Accident Injury Claim?

In states such as California, survivors of personal injuries are granted two years to file a personal injury claim or lawsuit. Delaying action could result in unnecessary hurdles that may weaken your case. Here’s what might happen if you wait too long:

  • Key evidence could be lost: Over time, crucial evidence such as accident scene photos, surveillance footage, or vehicle black box data may no longer be accessible.
  • Witness memories might fade: Reliable witness statements can strengthen a claim, but memories tend to deteriorate with time, making their testimony less impactful.
  • Insurance companies could challenge your claim: Delays in filing often give insurance adjusters the opportunity to argue that your injuries are unrelated to the accident or question the severity of your damages.
  • Legal complexities may increase: Unraveling liability or navigating additional legal hoops grows more complicated with a shrinking timeline.

Acting quickly preserves the strength of your case and offers peace of mind knowing that your legal options are intact. Procrastination can complicate an already challenging situation, leaving you with fewer resources to pursue the recovery you deserve.

Factors That Can Affect the Filing Deadline for Personal Injury Claims

Discovery of Injury

Not all injuries from a truck crash are immediately obvious, and this delay can have serious implications for your filing timeline. Typically, the statute of limitations starts on the accident date, but the discovery rule may allow for a later start to the filing deadline, especially when:

  • Symptoms appear long after the accident: You might feel fine after the crash, only to discover long after that dizziness or abdominal pain points to a serious, accident-related injury you never considered due to the seemingly minor incident.
  • Diagnosis connects the injury to the accident: If a doctor determines months later that your chronic headaches are due to a concussion from the crash, the timeline for filing may start from the date of that diagnosis.
  • Missed injuries in early exams: Sometimes, initial medical evaluations after an accident miss injuries that develop over time. A fractured vertebra might only be discovered after you experience worsening back pain and undergo additional imaging, affecting your filing deadline.

Understanding that the statute of limitations can shift under these circumstances may provide critical extra time to file a truck accident claim. However, acting quickly is still essential, as waiting too long—even with the discovery rule in play—can jeopardize evidence and weaken your case.

Consulting with an experienced personal injury attorney ensures the discovery rule works to your advantage, giving you the clarity you need to take the next step.

The Victim’s Age

When minors are involved in trucking accidents, the approach to filing deadlines shifts to provide them additional time. These exceptions consider the unique circumstances of younger victims. Key points include:

  • Statute paused for minors: The filing deadline often pauses (“tolls”) until the child reaches the age of 18, at which point the standard statute of limitations usually starts.
  • Parental or guardian action: Unless a parent or guardian files on their behalf, minors typically have the right to take legal action once they come of age.
  • Impact on claim strength: Evidence preservation and witness statements can weaken over time, even with the extended timeline, requiring extra caution during the delay.

Taking prompt action to preserve evidence and build a strong case is just as vital when minors are involved. Early consultation with a legal professional ensures no opportunity is missed to secure the compensation they deserve.

Claims Against Government Entities

The filing rules become even more restrictive if an accident involves a government-owned vehicle or problematic public infrastructure. Here’s what you should know about these cases:

  • Shorter filing windows: Claims involving government entities often require a notice of intent to sue within a few months, far shorter than the standard timelines.
  • Strict procedural requirements: Filing against a government entity often involves additional paperwork and pre-filing notifications that demand careful compliance to avoid invalidating the claim.
  • Limited exceptions: Unlike other types of cases, exceptions for government-related claims are rare, making adherence to timelines critical.

Navigating claims against government entities requires strategic legal planning. Missing even one step in the process could leave you without recourse for damages.

Wrongful Death Cases

When a commercial truck accident leads to loss of life, the statute of limitations operates differently compared to standard personal injury claims. Families navigating these cases should consider the following:

  • Timeline starts at the date of death: The clock for a wrongful death claim begins on the victim’s passing, not the accident date.
  • Factors affecting survivors: Immediate family members, such as spouses, children, or parents, are typically eligible to file. Extended relatives may face more stringent filing requirements.

Ensuring your family’s right to justice and compensation in these deeply emotional cases often hinges on acting decisively. A skilled attorney can help protect your claim and advocate for your loved one’s legacy.

The Financial Impact of Missing the Statute of Limitations 

Failing to file your personal injury claim within the statute of limitations can result in devastating financial consequences. Without the ability to pursue compensation, you may be left shouldering the full economic burden of an accident that wasn’t your fault. 

Here’s an in-depth look at the potential costs you could face if you miss the statute of limitations in states such as California:

  • Medical treatment costs: Catastrophic injuries such as traumatic brain injuries, spinal cord damage, or multiple fractures can lead to exorbitant medical bills. For example, the initial hospitalization for a spinal cord injury in California might cost over $100,000, while lifetime care can range from $500,000 to several million dollars, depending on the severity.
  • Rehabilitation and therapy: Physical therapy to regain mobility after a severe accident can cost $100–$200+ per session, with multiple sessions needed weekly. Occupational therapy and psychological counseling for trauma recovery add further expenses, potentially exceeding $50,000 over time.
  • Loss of income: If your injuries leave you unable to work, even temporarily, you may face months or years of lost wages. For instance, someone earning $60,000 annually could lose hundreds of thousands of dollars if unable to return to their profession.
  • Out-of-pocket expenses: Transportation to medical appointments, home modifications for accessibility, and medical equipment like wheelchairs can add tens of thousands in unforeseen costs.
  • Long-term caregiving needs: Severe injuries may require around-the-clock care, which in California can cost upwards of $50,000 to $100,000+ annually for private caregiving services.

When you miss the filing deadline, you lose access to the financial resources needed to cover these critical costs. This can impact more than your bank account—it can delay healing and disrupt your quality of life, placing immense stress on you and your loved ones.

The Role of a Truck Accident Attorney in Statute of Limitations Cases

Filing a personal injury claim involves more than just being aware of deadlines. A skilled truck accident attorney can help ensure all necessary steps are taken to meet legal requirements while protecting your interests. Here’s how they can assist:

  • Reviewing timelines: Attorneys know how to analyze your case to determine the correct filing deadline, including identifying factors like delayed discovery or special timeframes for government claims.
  • Gathering evidence quickly: Key evidence, such as black box data, witness statements, and maintenance records, can degrade or disappear over time. Having legal representation ensures the timely collection and preservation of these essential details.
  • Handling administrative hurdles: Filing claims against certain parties, like government entities, often comes with added complexities. Attorneys can guide you through these tasks to avoid missing procedural deadlines.
  • Identifying responsible parties: Truck accidents often involve multiple liable parties, from drivers and trucking companies to manufacturers and cargo loaders. A delay or oversight in filing claims against any of these parties could limit your compensation.

With so much at stake, having a skilled truck accident attorney on your side ensures your case is filed accurately and on time, even when complexities arise. Their experience can help protect your rights and position claimants to recover the full compensation needed to recover from a devastating collision.

Understanding the statute of limitations in truck accident cases isn’t just about meeting a deadline. It’s about ensuring you have the opportunity to seek justice and hold negligent parties accountable. 

The complexities these cases involve—from navigating discovery rules to identifying all liable parties—underscore the importance of having experienced legal guidance.

Feeling uncertain about how long you have to file a personal injury claim against negligent truckers, trucking companies, or potentially liable thrid parties? Reach out to the experienced San Diego personal injury attorney at Rawlins Law. 

With a long history of securing significant settlements for truck accident survivors and their families, you can learn how to secure your right to seek compensation without worrying about missing the window to do it. English and Spanish speakers can call (858) 529-5872 or complete a brief online form to learn more.

Schedule A Free Consultation

Statute of Limitations for a Truck Accident FAQs

Do minors have to wait until they are 18 to seek compensation for truck accident injuries?

Parents and legal guardians may still seek compensation for minors injured in these accidents. When the child becomes of age, they may be able to seek additional compensation for injuries or losses that have manifested as a result of the incident.

How do I know when it is time to contact a lawyer?

It’s never too early to consult an attorney after a truck accident, especially if injuries are involved. A lawyer can help you identify the correct deadline for your claim, gather evidence, and manage communications with insurers. The sooner you involve an attorney, the more time they’ll have to build a strong case while protecting your legal rights.

Will waiting too long to file be used against me by the insurance company?

Insurance companies are aware of filing deadlines and may try to delay negotiations to limit your legal options. If the statute of limitations expires, insurers no longer have to worry about the prospect of a lawsuit, giving them little incentive to offer fair compensation. Acting quickly ensures you retain leverage in negotiations and can pursue legal action if needed.

Should I worry about filing deadlines if I’m negotiating with insurance?

While you can negotiate with insurance companies without filing a lawsuit, that doesn’t mean you should ignore deadlines. If negotiations fail to result in fair compensation, filing a lawsuit might be your only option, and you’ll need to do so before the statute of limitations expires. Consulting an attorney during negotiations can help ensure you’re still positioned to take legal action if necessary.

Ashley Rae Rawlins Author Image

Ashley Rae Rawlins

Founder and CEO - Car Crash Ash Accident Lawyer, APC

Personal Injury Attorney

Author's Bio