Florida’s Car Accident Claim Deadline: What You Need to Know
The statute of limitations is a state-mandated time limit for filing certain legal claims. If you file outside that window, the court can throw your case out, no matter how strong your evidence is. In Florida, the statute of limitations for car accident-related claims changed in 2023. That means if you’re relying on old advice or outdated Google results, you could be getting the wrong information.
Florida’s Statute of Limitations for Car Accidents (Updated 2023)
Under the revised Florida law:
- You have two years from the date of the crash to file a personal injury claim
- You also have two years to file a wrongful death claim (if a loved one passes away due to crash-related injuries)
- You have four years to file a property damage claim (to recover for your vehicle or belongings)
This is a major change—prior to 2023, injury claims had a four-year window. Now, time is more limited, and missing the deadline means losing the chance to take your case to court. Want to know more about your legal options after a crash? Visit our Auto Accidents page to get practical, straightforward answers about what to expect and how Papa Injury Law can help.
Why It’s Risky to Wait
If you have many demands in your life that you need to meet, you might be tempted to push through the pain and get back to work. You think you’ll tough it out and file a claim later if the pain gets worse. But by the time you realize you can’t handle it alone, it might be too late.
Here’s What Can Happen If You Wait Too Long:
- Evidence disappears, such as dashcam footage or eyewitness contact info
- Medical records become harder to link to the accident
- Insurance companies push back, using delays to question your injury severity
- You may lose negotiating power or be denied entirely
Even if you think your injuries are minor, it's smart to speak with a personal injury lawyer early on. This gives you options if things take a turn, and protects your right to file.
What Triggers the Two-Year Clock?
The two-year period typically begins on the date of the accident. However, some exceptions may apply, such as cases involving delayed discovery of injuries or when a minor is involved. Still, these are rare and complex scenarios that require professional legal insight. Don’t gamble with your future based on what “might” be an exception. Get answers early.
How to Protect Yourself and Your Claim
The legal process might feel overwhelming, especially when you’re recovering from a crash. But a few simple steps can keep you on track.
What to Do Right Away:
- Report the accident to law enforcement.
- Get checked by a doctor, even if you feel fine.
- File a claim with your insurance as soon as possible.
- Document everything: photos, medical bills, work absences.
- Consult a personal injury attorney to understand your rights.
You don’t need to figure it all out on your own. The sooner you get professional support, the more options you’ll have for moving forward.
Don’t Let Time Run Out
Missing the statute of limitations deadline isn’t just a technicality; it can cost you thousands in medical coverage, lost wages, and pain and suffering. Florida law doesn’t bend for good intentions, and insurance companies know that. At Papa Injury Law, we’ll make sure you don’t miss a critical deadline. We know the system, and we know how to make it work for you.
