Injured in a Fort Lauderdale Crash? Two Deadlines Matter Immediately
Florida law puts two clocks on your case, and most people miss the first one.
Fourteen days for treatment. Florida is a no-fault state. Under Florida Statute § 627.736, your own Personal Injury Protection coverage pays first regardless of who caused the crash — but only if you receive initial medical care within 14 days of the accident. Miss that window and your PIP benefits are gone entirely. PIP covers 80% of reasonable medical expenses and 60% of lost wages up to $10,000, and that full $10,000 is only available if a treating provider certifies you had an emergency medical condition. Without that certification, your cap drops to $2,500.
Two years to file suit. Florida’s statute of limitations for negligence claims was cut from four years to two by HB 837, signed in March 2023. For any crash occurring after that date, you have two years. That same law also changed Florida to a modified comparative negligence system: if you are found more than 50% at fault, you recover nothing at all. That single change makes early evidence preservation — the crash report, the scene, the witnesses, the vehicle — far more consequential than it used to be.
If you were treated at Broward Health Medical Center on South Andrews Avenue, the county’s Level I trauma center, or at Broward Health North, Imperial Point, or Holy Cross, we can request those records and begin documenting your injuries while the 14-day window is still open.