Time limit is 2 years and you're pretty much screwed. It will be very easy for them to make a claim and your insurance company will pretty much have no choice but to pay.
Edit: and it's not really the physical damage you have to worry about because even if you do pay them out for the physical damage they can still sue for their injuries and they'd probably want to go through insurance for that.
Last edited by puckluck2; 10-04-2013 at 12:30 AM.
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