The short answer
Whatever you were in or on, Florida runs on the same four rules: your own PIP pays first if treatment starts within 14 days, two years to file, no recovery above 50% fault, and law enforcement must be called for injuries or $500 of damage. What changes by accident type is who pays after PIP.
Find your accident type
What were you in, or on?
Tap one. The panel shows who usually pays first and the Florida rule that matters most for that type.
All accident types
Eight guides, one for each kind of crash
Rules that apply to every type
Four Florida rules that never change
14 days to start treatment
PIP can deny the claim if initial care starts later. § 627.736(1)(a)
Two years to file
For crashes on or after March 24, 2023. Wrongful death is two years too. § 95.11(5)
More than half at fault, no recovery
At 50% or below, damages are reduced by your share. § 768.81(6)
Call law enforcement
For any injury, death or apparent damage of $500 or more. § 316.065
Common questions
Questions people ask before they pick a guide
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