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There is a time limit on injury claims in Florida, and the insurance company knows exactly when it runs out. Answer five questions and we will connect you, free, with an independent attorney licensed in Florida.
Limited
Time to file injury claims after March 2023 in Florida. Miss it and the claim is gone
Shorter
Government vehicle and public entity claims run on their own, tighter clock
Varies
Coverage carried by the at-fault driver is often well below the real cost
Modified
Florida follows modified comparative negligence with a 51% bar
This page describes Florida law in general terms only. It is not legal advice, deadlines and rules change, and exceptions apply. Confirm anything affecting your own claim with an attorney licensed in Florida.
Florida changed substantially in March 2023. The window to file most injury claims was cut substantially, and a 51% fault bar replaced the old pure comparative rule. Anyone relying on pre-2023 advice about the deadline is working from a repealed statute, and that single misunderstanding has cost people their claims.
Florida is also a no-fault state. Your own personal injury protection pays 80% of medical bills up to $10,000 regardless of who caused the crash, and there is a strict early-treatment rule: care generally has to begin within a short window after the collision or PIP benefits can be lost entirely.
Stepping outside the no-fault system to claim against the at-fault driver requires meeting the serious injury threshold — permanent injury, significant scarring or disfigurement, or significant permanent loss of a bodily function. Whether an injury clears that line is where most Florida disputes actually live.
Florida’s early-treatment requirement has no equivalent in most states and catches people constantly. Someone who walks away sore, waits several weeks to see a doctor, and then discovers a disc injury may have already forfeited PIP coverage for the treatment they now need.
Tourism changes the caseload. Rental vehicles, out-of-state drivers and visitors unfamiliar with I-4, I-95 and the Turnpike produce collisions where the applicable policy is not obvious and coverage questions come before liability ones. Miami-Dade, Orange and Hillsborough Counties see a disproportionate share.
Hurricane season produces debris collisions, sudden-stop pileups in blinding rain, and post-storm claims where road conditions and municipal maintenance become part of the argument. Florida also has a high uninsured driver rate, which makes your own UM coverage unusually important here.
Each one is common, and each one is avoidable.
Florida’s PIP statute requires initial treatment within a short window after the collision. Miss it and the benefit that was supposed to cover your early medical care may simply not be available, regardless of how the crash happened.
Florida shortened its filing window substantially in March 2023. Older articles, older advice and older memories all point at the previous deadline, and the current one is binding.
PIP pays first, but it does not end the matter. If your injury meets the serious injury threshold you may claim against the at-fault driver for the losses PIP does not cover, including pain and suffering. Many people never find out they qualified.
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A shortened filing deadline since the 2023 change, plus a separate and much tighter window to begin treatment for PIP. Both clocks start at the collision.
We match you with an attorney licensed in Florida who handles your collision type and knows the serious injury threshold arguments in your county.
Your carrier and the other driver’s both go through your attorney — in a no-fault state there are usually two insurers with different interests.
Valuation waits for the treatment record, which in Florida is also the evidence that determines whether the injury clears the threshold at all.
Fault is contested with evidence, and since 2023 the 51% bar makes the percentage decisive rather than merely reductive.
Most Florida accident attorneys work on contingency. Our service is free to you throughout.
We match you with someone licensed in Florida who works your area.
Not on the list? We cover the whole state, including rural counties where fewer firms compete.
Florida sets a firm deadline running from the date of the accident, and a separate, considerably shorter one where a government vehicle or public entity is involved. Both are strict, and missing either generally ends the claim no matter how strong it was. An attorney can confirm which applies to your situation before anything expires.
Florida follows modified comparative negligence with a 51% bar. Your recovery is reduced by your share of the blame, and disappears entirely once you are more than 50% responsible. That threshold is exactly why the other side’s adjuster works so hard to establish your share early.
Yes. Florida’s PIP statute requires initial medical treatment within a short window after the accident to remain eligible for personal injury protection benefits. If you wait beyond it, those benefits can be denied even though you were injured in the crash.
The threshold generally covers permanent injury within a reasonable degree of medical probability, significant and permanent scarring or disfigurement, significant permanent loss of an important bodily function, or death. Whether a specific injury qualifies is a medical and legal question an attorney should look at.
Possibly. Uninsured and underinsured motorist coverage on your own policy may apply, including in hit-and-run cases where the driver was never identified. Many people do not realise they carry it.
Our service is free to you — attorneys pay us for the connection. Most Florida accident attorneys work on contingency, so their fee comes from any recovery rather than from you upfront. Confirm the arrangement directly before signing anything.
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ClaimMVA Now is a free matching service, not a law firm.