You may be locked out of your account after too many failed attempts. You must wait 24 hours to try to retrieve your account information again. You can also contact Farmers Customer Care Center for assistance.

In Texas, it's 2 years for both. If you need to sue the other driver for medical costs or vehicle repairs, you must do so within this timeframe even if you're also filing a claim with Farmers. Additionally, state laws dictate whether yours is a “fault” or “no-fault” state for auto insurance purposes.