Car accidents are overwhelming. Between injuries, medical bills, and insurance negotiations, the last thing you want to worry about is navigating legal deadlines. But knowing when to file an injury claim after an accident with a personal injury lawyer is critical—it could mean the difference between securing fair compensation and walking away with nothing. If you’re in Medina, Ohio, or anywhere in the state, this guide breaks down what you need to know.
Understanding the Statute of Limitations
One of the most important rules in car accident claims is the statute of limitations.
What Is It?
Think of it as a countdown clock. In Ohio, you have two years from the date of the accident to file a claim. If you miss this deadline, your right to compensation is gone for good.
Why Procrastination Is Dangerous
Sure, two years might sound like plenty of time, but waiting until the last minute is risky:
- Evidence can disappear: Photos, videos, or documents might be lost.
- Witnesses may forget details: Memories fade over time, weakening your case.
- Medical records might not be finalized: A rushed case can result in an incomplete picture of your damages.
- Treatment window. You may not have had appropriate medical treatment to document all of your injuries.
If the clock is ticking, the time to act is now.
Should You File While Still Treating Your Injuries?
In most cases, it’s better to wait until your medical treatment is complete before filing. Why?
The Exception
If the statute of limitations is about to expire, you must file your claim—even if your treatment isn’t finished. You can continue receiving medical care after filing, but don’t risk missing the deadline.
When Negotiations with Insurance Adjusters Break Down
Once your treatment is complete, it’s time to negotiate with the insurance company.
What to Expect
- The adjuster will make an offer—usually a lowball offer.
- Your personal injury attorney will counter with a demand for a fair settlement.
Sometimes, though, negotiations hit a wall. What happens then?
When Filing a Lawsuit Becomes Necessary
If negotiations stall, filing a lawsuit might be your best option.
Why Filing Can Be a Game-Changer
- Insurance Companies Take It Seriously: Filing often prompts the company to transfer your case to another adjuster. This alone can lead to a better offer.
- It Keeps Things Moving: Without a lawsuit, stalled negotiations can linger indefinitely. Filing puts pressure on the insurance company to act.
While most cases settle before trial, filing a lawsuit shows that you mean business. It’s a critical step to ensure you’re treated fairly.
Key Takeaways
- Know Your Deadlines: Ohio’s two-year statute of limitations is firm. Don’t let time run out.
- Wait If You Can: Completing medical treatment before filing ensures you fully understand your damages.
- Take Action When Necessary: If negotiations stall or the statute of limitations is nearing, filing a lawsuit is your next step.
Why This Matters for Medina, Ohio Residents
From Valley City to Wadsworth, car accidents are all too common in Ohio. Speaking to a car accident lawyer to know your rights and taking timely action isn’t just smart—it’s essential to protect your future. Without the right strategy, you risk losing the compensation you need to cover medical bills, lost wages, and more.
Let Our Medina Personal Injury Lawyers Help You Take the Next Step
Every car accident case is unique, and your situation deserves a tailored approach. At JBC Lawyers, we focus on helping Ohio residents navigate the legal complexities after an accident.
If you’re unsure about your next steps, don’t wait. Contact us today for a free consultation with a Medina personal injury lawyer. We’ll guide you through the process so you can focus on healing while we handle the rest.
Time is running out—let our Medina personal injury lawyers fight for the compensation you deserve.