Free tool · Fla. Stat. 627.736 and 95.11
Florida Car Accident Deadline Calculator
The Florida Car Accident Settlement deadline calculator returns both clocks running on a Florida crash claim from a single input. A 14-day medical window decides whether your own PIP benefits survive; a lawsuit deadline decides whether a claim can ever be filed. Enter your crash date; the calculation runs entirely in your browser.
- 14 daysfrom the crash to initial medical care
- 2 yearsto file suit, for crashes on or after 3/24/2023
- 1 inputthe crash date, nothing else
- 0 sentthe date never leaves your browser
Independent informational site. Not a law firm, not medical advice.
Free tool · The calculation runs in your browser
Check your Florida accident deadlines
Enter the date of your crash. This calculates the two deadlines Florida law puts on your claim: the 14-day medical window under Fla. Stat. 627.736 and the lawsuit deadline under Fla. Stat. 95.11. The math runs in your browser, and your crash date is not sent anywhere unless you ask us to email your results.
This is a calendar calculation for general information, not legal advice, and it does not account for every situation. Claims against government entities, wrongful death claims, and cases with tolling or minor claimants follow different schedules. Confirm any deadline with a licensed Florida attorney before relying on it.
What the calculator computes, exactly
The first output: the 14-day PIP window
The first output is the close of the 14-day PIP window: 14 calendar days from the crash date, weekends and holidays included, per Fla. Stat. 627.736. Initial medical services received inside that window preserve up to $10,000 in no-fault benefits under your own policy.
Care that begins on day 15 or later forfeits them, and the statute contains no exception for symptoms that appeared late, busy weeks, or crashes that seemed minor. The 14-day rule guide covers what counts as initial services and how the emergency medical condition determination decides between $2,500 and the full $10,000.
The second output: the lawsuit deadline
The second output is the negligence lawsuit deadline under Fla. Stat. 95.11, applying the boundary HB 837 created: crashes on or after March 24, 2023 carry a two-year deadline, and earlier crashes carry the prior four-year deadline. The tool applies the correct rule to your date automatically. That deadline governs when a suit must be filed, and as the statute of limitations guide explains, every settlement negotiation is conducted in its shadow whether or not anyone intends to sue.
Both results are stated in calendar days because that is how the statutes count. The tool computes on UTC midnights so a crash entered late at night does not gain or lose a day to time zone arithmetic.
Why the date never leaves the page
A crash date is sensitive information on a legal-adjacent site: combined with a timestamp it can reconstruct who was in what crash and when. So this tool is built to compute locally.
The date you enter is processed by the page you are reading, in your browser, and is not transmitted, stored, or logged by this site. That is a design decision, not a disclaimer, and the page's own code is consistent with it: with the calculator in its current state, nothing you type here leaves this page.
The same reasoning shapes what the tool does not do. It does not ask who you are, does not ask what happened, and does not require anything beyond the one fact the statutes turn on. A deadline is arithmetic, and arithmetic should not cost you your information.
What the calculator cannot tell you
The tool applies two general rules to one date, and both are state rules that do not vary by county or metro area, so a Pinellas County crash and a Marion County crash return the same two deadlines. It does not know your situation, and several categories of claim run on different schedules: claims against government entities carry pre-suit notice requirements and shorter effective timelines, wrongful death claims have their own limitation period, and deadlines can be tolled in limited circumstances such as claims involving minors. The result it gives you is the general rule for an ordinary negligence claim, which is the right starting point and an unreliable ending point.
It also cannot tell you whether the 14-day window matters in your case yet, because that depends on whether you have been examined. If you have not, that is the actionable output: the just-crashed guide covers the first steps in order, and the ER or urgent care guide covers where the examination the statute requires can happen. Confirm any filing deadline with a licensed Florida attorney before relying on it; that sentence appears under the tool itself and it is meant literally.
How the two deadlines work together
A worked example
A worked example makes the shape of it clear. Take a crash on June 1, 2026. The 14-day window closes at the end of June 15, 2026: initial care on or before that date preserves the PIP benefits, and care starting June 16 forfeits them.
The lawsuit deadline lands two years out, June 1, 2028, because the crash falls after the HB 837 boundary. One clock is measured in days and decides insurance benefits; the other is measured in years and decides court access.
The asymmetry is the point
The asymmetry is the point. People treat the two-year horizon as the deadline, reasonably enough, and miss that the deadline with teeth in an ordinary crash is the one measured in days.
By the time most people first read about their claim, the long clock has barely moved and the short one is half spent. That ordering, short clock first, is also the order in which the consequences arrive: the medical record built inside the 14 days becomes the evidence every later negotiation runs on, long before any filing deadline is close.
Calculator questions
How is the 14-day deadline counted in Florida?
Fourteen calendar days from the crash date, including weekends and holidays, under Fla. Stat. 627.736. The count runs from the date of the crash, not from when symptoms appeared, and the statute provides no extension for delayed onset. If the crash was on the 1st, initial care on or before the 15th is inside the window.
Is the lawsuit deadline two years or four years?
Two years for crashes on or after March 24, 2023, when HB 837 took effect, and four years for crashes before that date, under Fla. Stat. 95.11. The calculator applies the boundary to your crash date automatically, which matters because both rules are still in active use depending on when the crash happened.
Is my crash date stored or sent anywhere?
No. The calculation runs in your browser, and in the tool's current configuration nothing you enter is transmitted, stored, or logged by this site. The page states this because it is true by construction: the deadline math is local arithmetic on the date you typed.
What if my crash involved a government vehicle or a death?
Different schedules apply. Claims against state or local government entities involve pre-suit notice requirements with their own timelines, and wrongful death claims carry a separate limitation period. The calculator states the general negligence rule only, and cases in these categories need deadline advice from a licensed Florida attorney early.
I am already past the 14 days. Is the claim dead?
Missing the 14-day window forfeits PIP benefits, which is a real loss, but it does not extinguish a liability claim against an at-fault driver, and the lawsuit deadline is the separate, longer clock. What changes is who pays for what and how the gap in early records gets argued. The remaining timeline is worth understanding precisely rather than abandoning.
Still not sure how this applies to you?
Every crash is different, and the answer usually turns on your dates. Tell us what happened and we will tell you where you stand. Free, no obligation, and we are not a law firm.
Call (518) 538-3140 nowPrimary sources: Fla. Stat. 627.736 (the 14-day initial care requirement and PIP benefit limits), Fla. Stat. 95.11 (limitation periods for negligence actions, as amended by HB 837 effective March 24, 2023). Statute text at Online Sunshine. The calculator performs a calendar computation for general information; it is not legal advice and does not account for every claim type. Last reviewed August 22, 2026.
About this guide
- Florida Car Accident Settlement is an independent informational guide to the two deadlines running on a Florida crash claim.
- Florida Car Accident Settlement covers the state of Florida.
- Florida Car Accident Settlement publishes a deadline calculator that returns the 14-day medical window and the lawsuit filing deadline from a single crash date, computed entirely in the visitor's own browser.
- Florida Car Accident Settlement cites Fla. Stat. 627.736 and Fla. Stat. 95.11 as the primary sources for this page.
- Florida Car Accident Settlement is not a law firm and gives no legal advice.