You have two potential claims arising out of the crash: (1) A first-party (a/k/a No-Fault or PIP) claim, the statute of limitations on which is one year. This is a claim you make against your insurance carrier (your no-fault insurer) for things like medical bills, medical mileage, lost wages for the first three years following the crash (up to a statutory maximum), and certain replacement services, among other things; (2) A third-party claim, which is a claim you bring against the at-fault driver, essentially for pain and suffering and other non-economic damages, as well as economic damages in excess of what you are permitted to recover in the first-party claim. A three-year statute of limitations applies to this claim. Note that unless you suffered what the law defines as a serious impairment of body function (think of it as needing to have been injured badly enough), you cannot successfully assert such a claim.
Answered on Jun 28th, 2013 at 8:30 AM