Final Note

There are very short time limits for notifying "No-Fault" carriers, and for filing Notices of Claim against government agencies (including cities, towns, municipalities, highway authorities, etc.)  While the statute of limitations in NY is generally three years from the date of a vehicular accident,  (other states may be very different), there may be prerequisites (for example, notices of claim) which, if not promptly filed, can disqualify claimants from suing.

Note too, your own insurance policy has a prompt notice requirement.  If you fail to tell them about your accident, your own carrier may refuse to cover you (disclaim).  The best way to protect yourself against missing a time limit is to engage an attorney and let him/her take care of these requirements.