Injured in Orange County? Two Deadlines Start Immediately
Fourteen days to get treated. Florida is a no-fault state. Your own Personal Injury Protection coverage pays first regardless of fault under Florida Statute § 627.736, but only if you receive initial medical care within 14 days of the crash. Miss it, and the benefits are gone. PIP covers 80% of reasonable medical expenses and 60% of lost wages to a $10,000 cap, and the full $10,000 only applies if a treating provider certifies an emergency medical condition. Without that, your cap is $2,500.
Two years to file suit. HB 837 cut Florida’s negligence statute of limitations from four years to two for claims arising after March 2023. The same law moved Florida to modified comparative negligence: if you are found more than 50% at fault, you recover nothing at all.
And a third threshold most people never hear about. PIP’s $10,000 rarely covers a serious injury. To pursue the at-fault driver for full damages (pain and suffering included), you generally must meet the “serious injury” threshold in Florida Statute § 627.737: significant and permanent loss of an important bodily function, permanent injury within reasonable medical probability, significant and permanent scarring or disfigurement, or death. Whether your injury clears that bar is a medical and legal argument, and it is the argument that decides whether your case is worth $8,000 or $800,000.
If you were treated at Orlando Health Orlando Regional Medical Center on West Underwood Street, Central Florida’s Level One trauma center and regional burn center, or at any Orange County emergency department, we can obtain those records and begin building that argument while the 14-day window is still open.