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Port St. Lucie Personal Injury Lawyer
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How Long Do You Have to File a Car Accident Claim?


The weeks and months following a car accident are very stressful, particularly if you have sustained serious injuries. Filing a claim with the insurance company or a lawsuit against the negligent party may not be your priority at this time. However, it is important to know you only have a certain amount of time to file these claims. If you do not file within the appropriate amount of time, you will forfeit your right to compensation.

Deadlines for Insurance Claims

Most insurance policies ask the policyholder to report any car accident as soon as possible. While you should notify your insurer of any accident within 24 hours of the crash, this is not the same as filing a claim. Reporting the accident is simply a requirement of your policy. If you fail to tell your insurer, it may be reason enough for them to cancel your policy.

The amount of time you have to file a claim with the insurance company will vary depending on your policy. You should read through your policy thoroughly to determine how much time you have to file your claim for compensation.

Despite how much time your policy allows you to file a claim, it is still advised that you do so as soon as possible. The insurance company is likely to become suspicious if your claim is not filed soon after the crash. Although you may still technically be within the approved amount of time, any suspicion on the part of the insurer will make it more difficult to secure the damages you need.

Statute of Limitations on Car Accident Lawsuits in Florida

Most car accident cases are settled through the insurance company. Personal injury lawsuits are much rarer. Unfortunately, if you cannot negotiate a fair settlement with the insurance company, or the policy limits are not enough to cover your injuries, you may have to file a lawsuit.

Florida law recognizes that defendants should not have a potential lawsuit hanging over their heads for an indefinite period of time. Additionally, over time evidence is destroyed and memories begin to fade. For all of these reasons, all personal injury lawsuits in the state are governed by a statute of limitations. In Florida, the statute of limitations is four years from the date of the crash in most cases. While there are some exceptions, the statute of limitations is usually quite strict.

If the statute of limitations expires on your case, you will likely lose your right to recover any compensation, so it is important to file your claim or lawsuit as soon as possible.

Our Florida Car Accident Lawyers will File Your Claim On Time

If you have been in a car accident and need to recover damages to help offset the costs, do not hesitate to call our Port St. Lucie car accident lawyers today. At Eighmie Law Firm, P.A., we will ensure your claim is filed properly and on time. Our experienced attorneys know how to negotiate with insurance companies effectively, but are also prepared to take your case to trial if necessary. Call us today at (772) 905-8692 or contact us online to schedule a consultation.


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