Hi

You have up to three years from the date of the accident to submit a claim.

If you were going to submit a claim after your TD, make sure that you document all doctor, hospital, physio appoints and keep the letters. Also keep any receipts for expenses that you have incurred as a result of the accident.

Hope that helps.

Regardless of any 'allowed' timescale for claiming, you will need to evidence you did not contribute to any suffering or lost function , actively or by neglecting to follow medical advice or accept intervention, seems fair enough, you do all you can to limit your problems and they make sure you're not out of pocket as a result?