If you’ve been injured in an auto accident in Florida, time is not on your side. Florida law sets strict deadlines for filing claims related to car crashes. Missing these deadlines can mean losing your right to seek compensation for your medical bills, lost wages, pain and suffering, and other damages.

At Lance P. Richard, P.A., we help clients in Stuart and across Florida act quickly to protect their rights.

Here’s what you need to know about time limits for filing an auto accident claim.

Florida’s Statute of Limitations for Auto Accidents

The statute of limitations is the legal deadline for filing a lawsuit. In Florida:

✅ For most personal injury cases from auto accidents, the statute of limitations is 2 years from the date of the accident (as of recent changes in Florida law).

✅ For wrongful death claims resulting from a fatal auto accident, you also have 2 years from the date of death to file suit.

If you miss these deadlines, the court will likely dismiss your case, no matter how strong your claim might be.

Why It’s Important to Act Quickly

Even though you may have up to 2 years to file a lawsuit, waiting can harm your case. Evidence can be lost, witnesses’ memories may fade, and insurance companies may be less willing to negotiate. The sooner you involve an attorney, the better your chances of preserving evidence and building a strong case.

Insurance Deadlines

Beyond lawsuits, insurance policies have their own reporting requirements.

✅ Florida’s no-fault insurance laws require that you seek medical treatment within 14 days of the accident to access your Personal Injury Protection (PIP) benefits.

✅ Failing to report your accident or injuries promptly to your insurer could result in denied claims or reduced benefits.



How Lance P. Richard, P.A. Can Help

At Lance P. Richard, P.A., we move quickly to protect your rights. Our team handles communications with insurance companies, gathers evidence, and files claims on time. We focus on building the strongest case possible so you can focus on healing.