This depends on the claim and the state for US requests. In the UK, you should seek legal counsel.
In Florida, most injuries like auto accidents, slip and fall, dog bite, and motorcycle accidents give you 4 years to file your claim. However in wrongful death actions -- no matter what how the victim is killed, the time is limited to 2 years.
It is a good idea to file your claim as soon as you can. You should contact your specific claims department to find out additional details.