The reason for the 2 years is that is the time period you have to file within. Attorneys want you to wait until the last minute to make sure your injuries are fully known. Nothing sinister here. While the bicyclist was most likely "in the right" according to the law, there is a saying you can be "dead right".  Even if proved to be traveling faster than 30mph, at most he might be found a percentage at fault - but I fail to see how the Judge could be found 100% not at fault. I suspect this will be settled out of court.