The legal clock — and its three traps
Two years sounds roomy until the exceptions bite: government claims (a city vehicle, a dangerous public road or crossing) require a formal claim within six months; UM and hit-and-run claims carry policy deadlines far shorter than the statute; and minors' claims run on their own tolling rules. Servicemembers get one clock in their favor — the SCRA can pause limitations during service — but evidence never tolls.
"How long can I still report it?"
Three answers: police reports are best same-day and can be counter-filed late (marked as delayed — better than nothing, worse than prompt). The SR-1 report to the DMV is due within 10 days of any injury crash — miss it and the DMV can suspend your license, independent of fault. And your own policy requires "prompt" notice — read that as days. Late on all three? File what's fileable today and get the picture reviewed; late reporting complicates claims, it rarely kills documented ones.
The evidence clock — the one that actually decides cases
Hotel, pier, and storefront cameras on the coastal corridors overwrite in days to weeks. Vehicles get repaired or salvaged with their crash data aboard. Witnesses — in a Marine town especially — literally ship out. Week one preserves everything; month twelve reconstructs some of it; month twenty-three files with what's left.
What waiting costs (spoiler: not money)
The contingency fee is identical in week one and month twenty — what changes is what it buys: a preserved case versus a rebuilt one. Start with the first-24-hours list, then make the free call while the footage still exists.
