Ok, thank you for that information.
The Statute of Limitations is the time frame in which a lawsuit must be filed (if the claim has not settled prior to the date). If no lawsuit is filed at the expiration of the Statute of Limitations, your wife's claim and her right to recovery would be forever lost.
In your wife's case, the Statute of Limitations is 5 years when the lawsuit is based on negligence (which is basis of car accident injuries). Thus, you will have 5 years from the date of the accident to either settle this claim with the insurance company, or if you cannot settle with the company, to file a lawsuit.
Since you said the accident happened 4 years ago and your former attorney told you you have "45 days," I am not sure if you are mistaken on the date of the accident as 4 years plus 45 days would be under 5 years. Nonetheless, the Statute of Limitations is an important rule of law that you must follow.
You have 5 years from the date of the accident to file a lawsuit if there is not settlement or your wife's claim will be forever lost.
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