Is there a statute of limitations to file a lawsuit for first-party damages?
Yes. Your no-fault insurance company is only required to reimburse you for expenses incurred during the year prior to your claim. You must make a valid written report of your injuries and submit that claim within a year from your accident or risk losing some or all of your no-fault reimbursement benefits. This places your insurance company on notice of your injury and claims. If any benefits are not paid by your insurance company, you must file legal action to recover any amounts not reimbursed within one year of incurring the expense or risk losing the ability to recover them. There are some exceptions to the above rules. Children/minors and incapacitated persons may be granted extended time to file a claim. A lawyer should be consulted to make sure that all statutory deadlines are met.
