What happens after a Florida accident isn’t always straightforward. Many people assume their insurance will handle everything, but Florida law draws a sharp line between property damage and bodily injury claims. If you don’t know the difference, you risk missing out on compensation you deserve.
Property damage claims are about fixing or replacing your car, phone, or other belongings. Under Florida Statutes § 95.11(3)(a), you generally have four years to file a property damage claim. Bodily injury claims, on the other hand, cover your medical bills, pain, suffering, and lost wages. These claims are governed by Florida Statutes § 95.11(4)(a) and § 627.736, which often limit you to just two years. If you miss these deadlines, your claim could be barred forever.
Insurance companies may try to minimize payouts or delay the process. Many Floridians make the mistake of waiting too long or not documenting their losses. To protect your rights, act quickly: gather evidence, report the accident, and consult a Florida personal injury attorney. Our firm can help you navigate the complexities and fight for what you’re owed.
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Disclaimer: This content is for informational purposes only and does not constitute legal advice, and laws and legal interpretations may change after the date of publication.
Written by:
Gil Sánchez, Esq.
CEO | Civil Trial Attorney
Black Rock Trial Lawyers
Abogados Law
