Statute of Limitations

Each state has its own statute of limitations for physical damage claims, which means there is a limited window of time during which you can file and recover compensation. All Auto Estimating can verify whether your claim falls within your state's legal timeframe and confirm that you’re within your rights—helping you secure the most accurate insurance estimate possible.

The information below outlines the statute of limitations by state. However, this should not be interpreted as a guarantee that your claim will be covered within these timeframes. Laws frequently change, and this content is provided for educational purposes only. It is not intended to serve as legal advice or guidance for making legal decisions.

For more information, please send an inquiry and we will follow up shortly to determine whether your claim falls within the applicable statute of limitations for your state.

  
  State Statutes & Minimum Property Damage Limits
  



  State Statutes & Minimum Property Damage Limits

  
    
        State
        Physical Damage
        Personal Injury
        Minimum Property Damage Limits
      

    Alabama2 Years2 Years$25,000
Alaska2 Years2 Years$25,000
Arizona2 Years2 Years$15,000
Arkansas3 Years3 Years$25,000
California3 Years2 Years$5,000
Colorado3 Years2 Years$15,000
Connecticut2 Years2 Years$25,000
Delaware2 Years2 Years$10,000
Florida2 Years2 Years$10,000
Georgia4 Years2 Years$25,000
Hawaii2 Years2 Years$10,000
Idaho3 Years2 Years$15,000
Illinois5 Years2 Years$20,000
Indiana2 Years2 Years$25,000
Iowa5 Years2 Years$15,000
Kansas2 Years2 Years$25,000
Kentucky2 Years1 Year$25,000
Louisiana2 Years2 Years$25,000
Maine6 Years6 Years$25,000
Maryland3 Years3 Years$15,000
Massachusetts3 Years3 Years$5,000
Michigan3 Years3 Years$10,000
Minnesota6 Years6 Years$10,000
Mississippi3 Years3 Years$25,000
Missouri5 Years5 Years$25,000
Montana2 Years3 Years$20,000
Nebraska4 Years4 Years$25,000
Nevada3 Years2 Years$20,000
New Hampshire3 Years3 Years$25,000
New Jersey6 Years2 Years$5,000
New Mexico4 Years3 Years$10,000
New York3 Years3 Years$10,000
North Carolina3 Years3 Years$25,000
North Dakota6 Years6 Years$25,000
Ohio2 Years2 Years$25,000
Oklahoma2 Years2 Years$25,000
Oregon2 Years3 Years$20,000
Pennsylvania2 Years2 Years$5,000
Rhode Island3 Years3 Years$25,000
South Carolina3 Years3 Years$25,000
South Dakota3 Years3 Years$25,000
Tennessee3 Years1 Year$25,000
Texas2 Years2 Years$25,000
Utah3 Years4 Years$15,000
Vermont3 Years3 Years$10,000
Virginia5 Years2 Years$25,000
Washington2 Years3 Years$10,000
Washington D.C.3 Years3 Years$10,000
West Virgina2 Years2 Years$25,000
Wisconsin3 Years3 Years$10,000
Wyoming4 Years4 Years$20,000

  

Statute of Limitations

State Statutes & Minimum Property Damage Limits

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State	Physical Damage	Personal Injury	Minimum Property Damage Limits
Alabama	2 Years	2 Years	$25,000
Alaska	2 Years	2 Years	$25,000
Arizona	2 Years	2 Years	$15,000
Arkansas	3 Years	3 Years	$25,000
California	3 Years	2 Years	$5,000
Colorado	3 Years	2 Years	$15,000
Connecticut	2 Years	2 Years	$25,000
Delaware	2 Years	2 Years	$10,000
Florida	2 Years	2 Years	$10,000
Georgia	4 Years	2 Years	$25,000
Hawaii	2 Years	2 Years	$10,000
Idaho	3 Years	2 Years	$15,000
Illinois	5 Years	2 Years	$20,000
Indiana	2 Years	2 Years	$25,000
Iowa	5 Years	2 Years	$15,000
Kansas	2 Years	2 Years	$25,000
Kentucky	2 Years	1 Year	$25,000
Louisiana	2 Years	2 Years	$25,000
Maine	6 Years	6 Years	$25,000
Maryland	3 Years	3 Years	$15,000
Massachusetts	3 Years	3 Years	$5,000
Michigan	3 Years	3 Years	$10,000
Minnesota	6 Years	6 Years	$10,000
Mississippi	3 Years	3 Years	$25,000
Missouri	5 Years	5 Years	$25,000
Montana	2 Years	3 Years	$20,000
Nebraska	4 Years	4 Years	$25,000
Nevada	3 Years	2 Years	$20,000
New Hampshire	3 Years	3 Years	$25,000
New Jersey	6 Years	2 Years	$5,000
New Mexico	4 Years	3 Years	$10,000
New York	3 Years	3 Years	$10,000
North Carolina	3 Years	3 Years	$25,000
North Dakota	6 Years	6 Years	$25,000
Ohio	2 Years	2 Years	$25,000
Oklahoma	2 Years	2 Years	$25,000
Oregon	2 Years	3 Years	$20,000
Pennsylvania	2 Years	2 Years	$5,000
Rhode Island	3 Years	3 Years	$25,000
South Carolina	3 Years	3 Years	$25,000