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Here's from the letter: If the claim is not resolved within two years of the date of the incident, only your filing of legal action will preserve your right to pursue this matter. Before seeing the letter, I know there are time limitations for all lawsuits, but had no idea about personal injury. After seeing it, it made me believe there is a 2-year-window you can try to make a deal with the claim adjuster firstly, then if it failed it is the time (after 2 years) to begin a lawsuit to further protect your right. My interpretation is based on our understanding of a common sentence below: if I cannot come within 2 hours, you move on by yourself. If it was not the adjuster’s letter, I believe I would have found out how the statute of limitations for personal injury is regulated much earlier.It is a slip-and-fall case which happened in a big store. The 2 year time window was run out by the claim adjuster requesting all kinds of medical records, and he went disappeared by the 2 year deadline. I didn't know the 2-year statute of limitations for personal injury starts from the date of the incident until he disappeared.