The short answer
Four numbers carry most Florida claims: 14 days to start treatment for PIP, two years to file suit, recovery barred above 50% fault, and law enforcement called for any injury or $500 of damage.
Source: Florida Statutes § 627.736(1)(a), § 95.11(5)(a), § 768.81(6), § 316.065
Your deadlines
Put in the crash date, get every Florida clock
Dates are computed from the crash date. The status shows how much time is left on each one today.
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Fault
Modified comparative negligence, with a hard edge at 50%
Since HB 837 took effect on March 24, 2023, a plaintiff more than 50% at fault recovers nothing. At 50% or below, damages are reduced by that share.
§ Florida Statutes § 768.81(6)
Insurance minimums
What every Florida driver must carry, and what they need not
Reporting a crash
When to call, and when to file yourself
Pain and suffering
The four threshold categories
Significant and permanent loss of an important bodily function
Shown by medical evidence.
Permanent injury
Within a reasonable degree of medical probability, other than scarring or disfigurement.
Significant and permanent scarring or disfigurement
Photographs and treating records carry weight.
Death
Wrongful death claims follow the Florida Wrongful Death Act.
§ Florida Statutes § 627.737(2)
Common questions
Questions people ask about Florida rules
Sources
What this page is built on
Items marked are waiting for a final check before launch.
Keep reading
Where to go next
Editorial information
Who wrote and checked this page
- Written by: After Crash Florida content team
- Legal review: not performed, general information only
- Last reviewed: November 12, 2026
- Corrections: see the Correction Policy