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How Long Do You Have to Sue After a Car Accident in Florida?


How Long Do You Have to Sue After a Car Accident in Florida? Every day in Florida, car accidents change lives in an instant. If you’ve recently been in a car accident, your mind might be swirling with a barrage of questions. Among these concerns, one question often stands out: “How long do I have to sue after a car accident in Florida?” At The Law Offices of Jared Spingarn, P.A., we can help you answer that question, navigate the complexities of personal injury law, and ensure you get the justice you deserve.

Florida’s Statute of Limitations for Car Accidents

Florida law establishes a “statute of limitations” for the amount of time you have to file a lawsuit after a car accident. In general, this timeframe is four years from the date of the accident. After this period expires, the Florida courts will likely refuse to hear your case, and your right to compensation will be lost.

How Long Do You Have to Sue After a Car Accident in Florida?

However, keep in mind that this four-year rule applies to personal injury cases, such as those involving physical injuries or property damage caused by another driver’s negligence. If a car accident leads to the unfortunate event of death, a different rule applies. The surviving family members or the representative of the decedent’s estate has two years from the date of death to file a wrongful death lawsuit.

Seeking Legal Advice

Navigating the legal landscape after a car accident can be challenging, especially when dealing with insurance companies. Many insurance providers will attempt to settle quickly to avoid a lawsuit. Still, it’s crucial to remember that accepting an early offer could result in receiving less compensation than you’re entitled to.

That’s where The Law Offices of Jared Spingarn, P.A., also known as Hire Jared, come in. Our expert team of lawyers, led by the renowned Jared Spingarn, can help you understand your rights, the statute of limitations, and ensure that you don’t settle for less than you deserve.

Why Timing Matters

Although four years may seem like a generous timeframe, it’s important not to delay pursuing your claim. Evidence can be lost, memories can fade, and witnesses might be harder to locate as time goes on. Additionally, the sooner you file a claim, the sooner you can potentially receive compensation for medical bills, lost wages, and other damages related to the accident.

Exceptions to the Rule

Like most laws, exceptions to Florida’s statute of limitations exist. In some circumstances, the “discovery rule” may apply. This rule applies when the victim couldn’t have reasonably discovered the injury at the time of the accident. In these cases, the clock starts ticking when the victim discovers—or should reasonably have discovered—the injury.

Another exception involves cases where the at-fault party leaves the state before a lawsuit can be filed. In this scenario, the period of the at-fault party’s absence isn’t counted within the four-year limit.

Understanding the Impact of Car Accidents on Your Record in Florida

Impact of Car Accidents on Your Driving Record

Impact of Car Accidents on Your Driving Record

In the wake of a car accident, it’s essential to understand the implications for your driving record. Particularly in Florida, a state with specific regulations surrounding car accidents, knowing the rules can help guide your actions and inform your decisions.

Car accidents in Florida typically remain on your driving record for three to five years, depending on the severity of the accident and the traffic violations associated. A significant factor that influences this duration is whether the accident resulted in a guilty disposition, such as a traffic citation.

Role of Insurance in Car Accidents

Having car insurance is not only a legal requirement in Florida but also a practical necessity. Auto insurance provides a safety net for those unfortunate times when accidents happen. The interaction between car accidents and your insurance is a critical aspect to comprehend, as it directly impacts your insurance rates.

When you’re involved in an accident, your insurance company is usually notified, and this can affect your auto insurance rates. The severity of the accident, your degree of fault, and your driving history are a few factors that insurance companies consider when adjusting your premium.

Want to know how much your car insurance will go up after an accident? Click here to learn more.

Understanding No-Fault Insurance in Florida

Florida is a “no-fault” insurance state, meaning that regardless of who is at fault in an accident, each driver’s own insurance is expected to cover their medical expenses and property damage up to a certain limit. This is often referred to as Personal Injury Protection (PIP) coverage.

The no-fault rule doesn’t prevent you from filing a personal injury lawsuit against the other driver if you sustain serious injuries that meet a certain threshold defined under Florida laws. However, for less severe incidents, the no-fault rule applies and may affect your insurance rates.

The Influence of At-Fault Accidents on Insurance Rates

If you're found to be at fault in a car accident, expect this to impact your insurance premiums

If you’re found to be at fault in a car accident, expect this to impact your insurance premiums. An at-fault accident will stay on your record for three to five years in Florida, influencing your insurance rates during that time. However, the extent to which an at-fault accident affects your insurance rates can vary between insurance providers.

Accident forgiveness is a feature that many insurance companies offer to their policyholders. This feature allows you to have one accident without affecting your insurance rates. However, terms can vary, so you may need to discuss this with your insurance agent to understand how it could apply to you.

How Car Accidents Impact Your Public Record

In Florida, car accidents are considered public record. Reports filed by local law enforcement, the Florida Department of Highway Safety and Motor Vehicles, and other relevant details can typically be accessed by anyone who requests them.

Seeking Legal Help

Enlisting the help of a personal injury attorney can be crucial in navigating these complex situations. They can guide you through your legal options, help negotiate with insurance companies, and ensure your rights are protected. It’s often a good idea to schedule a free consultation with a personal injury attorney following an accident.

It's often a good idea to schedule a free consultation with a personal injury attorney following an accident.

Expunging Car Accidents from Your Driving Record in Florida

Steps to Removing Accidents from Your Driving Record

Cleaning up your driving record after a car accident in Florida requires understanding the state’s regulations and processes. The specific steps to remove an accident from your record can depend on a few factors, including the severity of the accident, the level of fault, and whether any traffic violations were committed.

Generally, maintaining a clean driving record involves safe driving, completion of defensive driving courses, and time without any additional incidents. However, it’s recommended to consult with a legal expert or your local DMV for specific advice based on your circumstances.

Discover the top The 10 Biggest Mistakes Made After a Car Accident by delving into this article.

Looking to the Future: Ensuring Safe Driving Practices

Prevention is always better than cure. To avoid future accidents and maintain a clean record, it’s crucial to observe safe driving practices. Abide by traffic laws, avoid reckless driving, and be vigilant on the road. This won’t just keep your record clean but also contribute to overall highway safety.

Remember that an accident-free record can lead to lower car insurance rates. So, staying safe isn’t just good for you; it’s also good for your wallet.

In conclusion, the implications of a car accident in Florida span across your driving record, insurance rates, and even public records. Understanding these impacts and how to navigate them is crucial. With the aid of experienced professionals like personal injury attorneys and knowledgeable insurance agents, you can successfully manage the aftermath of a car accident in Florida.


Understanding how long you have to sue after a car accident in Florida can be crucial in securing the compensation you need and deserve. With the Law Offices of Jared Spingarn, P.A. by your side, you can navigate the personal injury law landscape with confidence. Don’t let the ticking clock intimidate you. Reach out today for a free case review. Let’s make sure you get the justice you deserve.

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